Is a clutch covered by insurance?

If you want your car insurance company to provide you with a new clutch, the damage needs to be the result of an accident.

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UPDATED: Jun 10, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 10, 2022Fact Checked

Here's what you need to know...

  • Normal wear and tear associated with clutch use isn’t covered by your insurance company
  • Most warranties exclude the clutch because its lifespan is largely dependent on proper usage
  • A clutch is technically a part of the powertrain, but many powertrain warranties don’t include clutch replacement

Getting a new clutch can be difficult, especially if the reason your clutch is failing isn’t directly because of an accident.

Generally, you’ll have to pay for a new clutch out of pocket unless it’s covered by a warranty. This warranty typically only applies if the clutch is defective, as most warranties will not cover normal wear and tear associated with clutch use. However, if an accident causes clutch damage, your insurance company might cover a replacement.

If you want your clutch replaced, it’s best to be aware of what your options are before pursuing a claim or warranty.

Is a new clutch covered by insurance?

It depends on what caused the clutch damage. If an accident that wasn’t your fault resulted in a damaged clutch, then your car insurance may cover it. If the damage is an expected outcome of normal wear and tear, then it isn’t.

Some insurance policies cover non-accident repairs, but your insurance company restricts what is and isn’t covered under its policy. Often, a policy that supports non-accident repairs won’t cover your clutch. Even mechanical breakdown insurance typically won’t include coverage for a worn clutch.

A new clutch will generally last about 50,000 miles before needing a replacement. However, this is merely an average, as your clutch could last between 30,000 to 100,000 miles depending on usage and the quality of the part.

If your clutch fails before then, you may be able to claim a manufacturer’s warranty, in which case you’ll need to go by its terms if you want it replaced.

Not all insurance policies will cover clutch replacement as a result of an accident. You will typically need more than the state minimum if you want a clutch replaced.

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How much does a new clutch cost?

You can expect to pay an average of about $1,200 to $1,500 for a new clutch, though you may have to pay more depending on the make and model of your car. Generally, more expensive cars require more expensive replacement parts.

In what sorts of scenarios would my insurance company cover a new clutch?

If you’re hit by another car, which causes direct damage to your clutch, and it’s not your fault, then your clutch is probably covered by insurance. If you’ve been in an accident and you believe it damaged your clutch, you may file a claim and see if your insurance company will cover it. Make sure you understand what’s involved in filing a claim before jumping in, as a lack of preparation can result in the denial of your claim.

If you realize that your clutch is failing and you bring it into a shop, you shouldn’t expect your insurance to cover it.

In other words, the damage to the clutch must be a direct result of an accident. There are no other circumstances in which your car insurance company would cover a replacement clutch, as they are not the same as warranty service.

Would a powertrain warranty cover a new clutch?

A powertrain includes several parts.

  • The engine and all its components
  • The drivetrain
  • The transmission

A clutch, by definition, is a part of the transmission. Therefore, if you have a powertrain warranty, then it may cover a new clutch under certain conditions. However, many powertrain warranties explicitly exclude the clutch and the pressure plate. If you want your warranty to cover clutch failure, you’ll need to find a powertrain warranty that includes the clutch.

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What’s the difference between a powertrain warranty and a bumper-to-bumper warranty?

A bumper-to-bumper warranty covers more parts than a powertrain warranty. This does not mean a bumper-to-bumper warranty is inherently superior, however. Bumper-to-bumper warranties tend to be relatively brief compared to powertrain warranties.

This means that your powertrain warranty will almost certainly last longer than your bumper-to-bumper coverage. Bumper-to-bumper plans typically last an average of three years or 36,000 miles, whichever comes first. Powertrain warranties, on the other hand, last an average of five years or 60,000 miles. Some manufacturers have powertrain warranties that last 10 years or 100,000 miles.

Note that while it’s called a bumper-to-bumper warranty, you shouldn’t expect this type of coverage to cover every single part of your vehicle. Tires are usually not covered, and neither is normal wear and tear related to everyday use.

When it comes to your clutch, it depends on the specific terms of your warranty, but most warranties exclude the clutch even though it’s a part of the transmission and thus a part of the powertrain.

Why do so many warranties exclude the clutch?

The clutch is something that you can easily wear down faster than it’s meant to. Improper clutch use as a result of driver error is something warranty services need to keep in mind, and it’s why most warranties don’t cover a new clutch as a result of wear and tear.

How can I prevent wear and tear from destroying my clutch?

The better you treat your clutch, the less likely it is to wear out prematurely. A general rule is that the more you have the clutch pressed down, the faster it will wear out. This means practicing driving habits that minimize clutch use.

For example, if you’re in stationary traffic, you shouldn’t keep the clutch pressed. Instead, relax the clutch and put your car in neutral, using the handbrake instead to keep your car from drifting.

Your clutch will wear down more quickly on hilly roads. The best practice is to stay on flat roads as much as you can. Never overload your vehicle or tow more than it’s meant to. This can cause strain on your clutch. Most damage done to the clutch happens in the first gear during initial acceleration. Always be careful to accelerate slowly and smoothly.

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Final Thoughts on Getting a New Clutch

You will not be able to get a new clutch through your insurance company that isn’t a direct result of an accident. In addition, most warranties don’t cover the normal wear and tear of a clutch because of how much influence the driver has on the life of the clutch. However, your insurance company will probably cover a clutch that’s damaged as a result of an accident as long as you have comprehensive coverage.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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