For how many years can a car not be insured for vehicle damage insurance?
3 Answers
Private cars over 8 years old are not insured. Below is expanded information about vehicle damage insurance: Detailed introduction: Vehicle damage insurance, short for 'vehicle loss insurance', is the most widely used type of vehicle insurance. Whether it's minor scratches or serious damage, the insurance company will cover the repair costs. However, vehicle damage insurance also has various exclusions. For example, if the vehicle continues to be used after a collision accident, causing further damage, the insurance company may refuse to compensate. Coverage scope: It generally covers losses to the insured vehicle caused by natural disasters such as lightning, storms, heavy rain, floods, and accidental incidents, as well as related rescue expenses.
I've been driving for over 20 years and always pay close attention to auto insurance. There's really no fixed age limit for comprehensive car insurance—it largely depends on the insurer's policy. Generally, if a car is over 10 or 15 years old, especially outdated models, insurers might refuse coverage. Why? Because older vehicles have severe part wear, and accident repairs cost too much—they fear losing money. A friend with a 10-year-old Santana was denied by several insurers and had to settle for third-party liability coverage focusing on personal protection. For older cars, I recommend regular maintenance to reduce breakdown risks, making insurance approval easier. If needed, shop around—some smaller insurers have looser policies. Bottom line: Plan insurance early; don't wait until your car's aged to worry.
When choosing car insurance, I noticed that the requirements for comprehensive coverage vary by brand and vehicle condition. Most insurance companies start strict reviews for cars over 8 years old, especially domestic older vehicles. If a car exceeds 15 years, it's likely to be outright rejected—my old Volkswagen faced this issue. The reason is that older cars are prone to major problems, like loose chassis or aging electrical systems, with repair costs skyrocketing, making insurers unwilling to take the risk. You might try consulting multiple brokers, as policies differ between companies, or opt for insurance covering only core components to save money. Regular maintenance, such as replacing parts periodically and checking the braking system, is also crucial to extend the vehicle's lifespan.
