Whether the gearbox is covered by insurance depends on the specific cause of damage and the insurance policy purchased. If the damage is caused by a traffic accident and the vehicle damage insurance has been purchased, the insurance company will usually compensate for the repair or replacement costs in accordance with the contract terms. However, vehicle damage insurance does not cover damage caused by normal wear and tear, lack of maintenance, or improper use. Compulsory traffic insurance only covers third-party losses and does not cover damage to one's own gearbox. If the gearbox has quality issues within 60 days or 3,000 kilometres of purchase, a free replacement can be requested from the manufacturer under the three guarantees policy. When filing a claim, documents such as an accident report must be provided, and the insurance company will assess whether the damage falls within the coverage scope. In some cases, only 70% of the repair costs may be covered. Car owners should carefully review the policy terms to distinguish between claims for accident damage and mechanical failure, and may consider purchasing additional mechanical breakdown insurance to expand coverage if needed.
