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E20 Petrol: E20 petrol has been a hot topic recently amidst the US-Iran conflict. However, not all engines are designed to run on ethanol-blended petrol; this fuel has its own specific characteristics and potential downsides.

Car Insurance Rules: Petrol and diesel prices in the country are skyrocketing due to the US-Iran conflict, bringing E20 fuel into the spotlight. E20 fuel refers to petrol blended with 20% ethanol. There are claims that using ethanol-blended petrol can adversely affect engines. Find out whether you can claim insurance if your older car's engine gets damaged by E20 fuel.

How are E20-compatible engines different?

It is crucial to understand what makes an E20-compatible engine special. Not all engines are built to run on ethanol-blended fuel. Ethanol has different combustion characteristics and can be more damaging than pure petrol.

Vehicles designed for E20 typically feature robust fuel lines and gaskets, modified fuel mapping systems, and higher compression ratios for improved performance and durability. Experts advise owners of older vehicles to verify whether their car is compatible with E20 fuel before using it.

Conditions for insurance claims

While owners of new vehicles need not worry much about this, drivers of older cars could face unexpected issues due to ethanol-related damage. A key question arises: will car insurance cover such damage? According to a viral post by ICICI Lombard on the social media platform X, insurance claims for damage caused by E20 fuel in older vehicles—or those not compatible with E20—could be rejected if insurance companies deem the use of such fuel to be negligence or misuse.

Another post by ICICI Lombard clarified that using E20 fuel in an E20-compatible vehicle generally does not affect insurance coverage. However, the situation may differ for older vehicles, as they were not designed to run on fuel blends with higher ethanol content.