Are service station accidents covered under motor insurance?
Once your vehicle is handed over to a service station or garage, your vehicle insurance does not cover the damages occurred under their custody.
For instance, your vehicle might fall from the lift, car may get hit, scraped or scratched while service station staff move the vehicle, branches from a tree might fall on to your vehicle while parking at the service station premises etc.
Therefore, you should be very careful when handing over the vehicle to a garage or service station. You should check whether they have a ‘Care & Custody’ insurance policy for customers’ vehicles. If there is a claim, you can claim only from the ‘Care & Custody’ policy of the service station.