Is Transmission Water Damage Covered by Insurance?
2 Answers
If you have purchased water damage insurance, damage to the car's transmission and engine due to water ingress is covered under the insurance policy. Relevant information is as follows: Additional Insurance: Water damage insurance is an additional coverage, and additional insurance for motor vehicles is an important part of motor vehicle insurance. According to China's current motor vehicle insurance clauses, the main additional coverages include theft insurance, spontaneous combustion loss insurance, water driving loss insurance, newly added equipment loss insurance, no-deductible special agreement insurance, driver accidental injury insurance, and designated repair shop insurance, among others. Insurance customers can choose to add these coverages based on their needs. Water-Induced Stalling: When a vehicle stalls due to driving through water, there is a 50% probability of engine damage; however, if the engine is restarted after stalling, the engine is certain to be damaged. Insurance companies do not cover engine damage caused by forced ignition.
Back when I first bought my car, I was curious whether transmission water damage would be covered by insurance. Then it actually happened to me. During a heavy rainstorm, I drove through a deep puddle that flooded the transmission, costing over 4,000 RMB in repairs. When I asked the insurer, they said standard policies like compulsory traffic insurance or vehicle damage insurance don't cover this unless I'd purchased additional wading insurance. I checked my policy but couldn't find it, so I had to pay out of pocket. The key is whether your coverage includes specific wading protection, which handles water damage to the engine or nearby components. Transmission damage usually falls under this, but check the fine print. I advise new owners to ask carefully when purchasing insurance—adding wading coverage is affordable (a few hundred yearly) and can save big money. Always monitor weather and road conditions; avoid forcing through deep water—safety first. Take photos before repairs for claims. Don't repeat my oversight—plan your coverage early for peace of mind.
