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The Cost Trap of Engine Damage: When Your Car Becomes a Risk

Engine damage often means a total economic write-off. Without a warranty, the decision becomes a cost trap for every car owner.

Repair or economic total loss?

The sudden breakdown and the first diagnosis

A major engine failure usually catches vehicle owners completely off guard. It often starts with an unfamiliar noise or an illuminated warning light, until the vehicle finally comes to a halt at the roadside. At the garage, the detailed diagnosis is frequently followed by a rude awakening: the necessary measures, such as fitting a completely new replacement engine or an extensive overhaul of the affected cylinders, drive the costs up rapidly.

The dilemma of the vehicle’s value

From a certain vehicle age onwards, these repair costs quickly reach dimensions that exceed the car’s current residual value. Vehicle owners then face a major dilemma: should they invest thousands of francs more in an older car, or dispose of it at a massive loss? This uncertainty weighs not only on the wallet but also on everyday life, as mobility is restricted from one day to the next. And if the vehicle is still on a lease or the purchase loan has not yet been paid off, you are left paying the instalments while no longer being able to drive.

Planning certainty through a strong partner

This is exactly where autosecuro.ch comes in as a service provider. A comprehensive partner offering saves you from having to use up hard-earned money for unforeseen repairs. Instead of stressfully weighing up whether a repair is still worthwhile, our protection gives you a reliable financial foundation. The costs for parts are covered, so that your daily mobility remains secure without stretching your personal budget, or worse, that of your entire family.

Car: Warranty offer “ESSENTIAL”

The "ESSENTIAL" warranty for your car, as basic protection. Max. claim amount CHF 6,000, no deductible. Up to 200,000 km or 20 years from first registration.

monthlyCHF 34.90excl. VATDetails & order

Monthly payment = 12x CHF 43.13, including VAT | Semi-annual payment with a 5% discount = 2x CHF 245.85, including VAT | Annual payment with a 10% discount = 1x CHF 465.82, including VAT.

CHF 0.00 setup fee through December 31, 2026! For full details and information, see our GTCs and FAQs.

Engine block consisting of:

Engine block, cylinder block, cylinder bores, cylinder head, cylinder head gasket (in case of consequential damage to a covered component)

Engine casing consisting of:

Valve cover, oil pan, timing case, crankcase

Internal engine components consisting of:

Crankshaft, connecting rods, connecting rod bearings, crankshaft bearings, pistons, piston rings, piston pins, camshaft(s), camshaft bearings, rocker arms, finger followers, valves, valve guides, valve seats, valve springs, hydraulic lifters, bucket tappets, balancer shafts

Timing drive consisting of:

Timing chain (in case of material defect), timing chain sprockets, timing chain tensioner, timing chain guides, timing belt pulleys, camshaft adjuster, variable valve timing

Forced induction consisting of:

Turbocharger, supercharger, wastegate, turbocharger actuator, turbocharger bearing

Electric drive consisting of:

Generator, drive unit, e-motor

Gas propulsion consisting of:

Pressure regulator, evaporator, control unit, pressure gauge, valves, flow distributor

Manual transmission consisting of:

Dual-mass flywheel, transmission housing, main shaft, countershaft, output shaft, gears, synchronizer rings, synchronizer hubs, shift forks, shift sleeves, bearings, needle bearings, roller bearings, bushings, internal shift linkage, differential (integrated in transmission)

Automatic transmission consisting of:

Dual-mass flywheel, transmission housing, planetary gear sets, sun gears, ring gears, clutch plate carriers, oil pump, valve body, hydraulic block, shift valves, pressure control valves, transmission control unit (internal), shafts, bearings, bushings, differential (integrated), torque converter, torque converter lock-up clutch (internal)

BESTSELLER

Car: Warranty offer “PREMIUM”

The "PREMIUM" warranty for your car, our bestseller. Max. claim amount CHF 8,000, no deductible. Up to 200,000 km or 20 years from first registration.

monthlyCHF 49.90excl. VATDetails & order

Monthly payment = 12x CHF 53.94, including VAT | Semi-annual payment with a 5% discount = 2x CHF 307.47, including VAT | Annual payment with a 10% discount = 1x CHF 582.57, including VAT.

CHF 0.00 setup fee through December 31, 2026! For full details and information, see our GTCs and FAQs.

Engine block consisting of:

Engine block, cylinder block, cylinder bores, cylinder head, cylinder head gasket (in case of consequential damage to a covered component)

Engine casing consisting of:

Valve cover, oil pan, timing case, crankcase

Internal engine components consisting of:

Crankshaft, connecting rods, connecting rod bearings, crankshaft bearings, pistons, piston rings, piston pins, camshaft(s), camshaft bearings, rocker arms, finger followers, valves, valve guides, valve seats, valve springs, hydraulic lifters, bucket tappets, balancer shafts

Timing drive consisting of:

Timing chain (in case of material defect), timing chain sprockets, timing chain tensioner, timing chain guides, timing belt pulleys, camshaft adjuster, variable valve timing

Forced induction consisting of:

Turbocharger, supercharger, wastegate, turbocharger actuator, turbocharger bearing

Electric drive consisting of:

Generator, drive unit, e-motor

Gas propulsion consisting of:

Pressure regulator, evaporator, control unit, pressure gauge, valves, flow distributor

Manual transmission consisting of:

Dual-mass flywheel, transmission housing, main shaft, countershaft, output shaft, gears, synchronizer rings, synchronizer hubs, shift forks, shift sleeves, bearings, needle bearings, roller bearings, bushings, internal shift linkage, differential (integrated in transmission)

Automatic transmission consisting of:

Dual-mass flywheel, transmission housing, planetary gear sets, sun gears, ring gears, clutch plate carriers, oil pump, valve body, hydraulic block, shift valves, pressure control valves, transmission control unit (internal), shafts, bearings, bushings, differential (integrated), torque converter, torque converter lock-up clutch (internal)

Cooling system consisting of:

Water pump, radiator, radiator hoses, radiator hoses, thermostat, expansion tank, coolant

Braking system consisting of:

ABS components, brake cylinder, brake booster, vacuum pump, brake force regulator/distributor, brake calipers, wheel brake cylinders. Brake pads and brake discs of all kinds are excluded.

Fuel system consisting of:

Injection nozzles, injectors, high-pressure pump, fuel pump, fuel pump, fuel lines, fuel tank

Intake and exhaust system consisting of:

Air filter box, intake hoses, charge-air hoses, intercooler, exhaust manifold

Comfort electrics and electronics consisting of:

Electrical components, motors and switches of a) the central locking, b) the sunroof, c) the power windows, d) the front and rear window heating

Air conditioning consisting of:

A/C compressor

Lighting consisting of:

Battery, starter, alternator, wiring harnesses, fuses, relays, connectors

Electrics consisting of:

Engine control unit, transmission control unit, all electronic control units, alternator, regulator, starter, all ignition components

Car: Warranty offer “PRESTIGE”

The "PRESTIGE" warranty for your car, the luxury option. Max. claim amount CHF 12,000, no deductible. Up to 200,000 km or 20 years from first registration.

monthlyCHF 74.90excl. VATDetails & order

Monthly payment = 12x CHF 80.97, including VAT | Semi-annual payment with a 5% discount = 2x CHF 461.51, including VAT | Annual payment with a 10% discount = 1x CHF 874.44, including VAT.

CHF 0.00 setup fee through December 31, 2026! For full details and information, see our GTCs and FAQs.

Engine block consisting of:

Engine block, cylinder block, cylinder bores, cylinder head, cylinder head gasket (in case of consequential damage to a covered component)

Engine casing consisting of:

Valve cover, oil pan, timing case, crankcase

Internal engine components consisting of:

Crankshaft, connecting rods, connecting rod bearings, crankshaft bearings, pistons, piston rings, piston pins, camshaft(s), camshaft bearings, rocker arms, finger followers, valves, valve guides, valve seats, valve springs, hydraulic lifters, bucket tappets, balancer shafts

Timing drive consisting of:

Timing chain (in case of material defect), timing chain sprockets, timing chain tensioner, timing chain guides, timing belt pulleys, camshaft adjuster, variable valve timing

Forced induction consisting of:

Turbocharger, supercharger, wastegate, turbocharger actuator, turbocharger bearing

Electric drive consisting of:

Generator, drive unit, e-motor

Gas propulsion consisting of:

Pressure regulator, evaporator, control unit, pressure gauge, valves, flow distributor

Manual transmission consisting of:

Dual-mass flywheel, transmission housing, main shaft, countershaft, output shaft, gears, synchronizer rings, synchronizer hubs, shift forks, shift sleeves, bearings, needle bearings, roller bearings, bushings, internal shift linkage, differential (integrated in transmission)

Automatic transmission consisting of:

Dual-mass flywheel, transmission housing, planetary gear sets, sun gears, ring gears, clutch plate carriers, oil pump, valve body, hydraulic block, shift valves, pressure control valves, transmission control unit (internal), shafts, bearings, bushings, differential (integrated), torque converter, torque converter lock-up clutch (internal)

Cooling system consisting of:

Water pump, radiator, radiator hoses, radiator hoses, thermostat, expansion tank, coolant

Braking system consisting of:

ABS components, brake cylinder, brake booster, vacuum pump, brake force regulator/distributor, brake calipers, wheel brake cylinders. Brake pads and brake discs of all kinds are excluded.

Fuel system consisting of:

Injection nozzles, injectors, high-pressure pump, fuel pump, fuel pump, fuel lines, fuel tank

Intake and exhaust system consisting of:

Air filter box, intake hoses, charge-air hoses, intercooler, exhaust manifold

Comfort electrics and electronics consisting of:

Electrical components, motors and switches of a) the central locking, b) the sunroof, c) the power windows, d) the front and rear window heating

Air conditioning consisting of:

A/C compressor

Lighting consisting of:

Battery, starter, alternator, wiring harnesses, fuses, relays, connectors

Electrics consisting of:

Engine control unit, transmission control unit, all electronic control units, alternator, regulator, starter, all ignition components

Suspension consisting of:

Control arms, coil springs, strut components, steering knuckle, drop link, stabilizer components

Steering system consisting of:

Power steering pump, complete steering gear, tie rod, steering damper

Drivetrain, power distribution consisting of:

Drive shafts, universal joint shafts, propeller shafts, flex discs, wheel bearings, axle differentials (separately installed)

Differential and transfer case consisting of:

Wheel hubs, transfer case housing, gears, chains, shafts, bearings, actuators, differential components

Convertible top consisting of:

Convertible top hydraulic system, high-voltage battery for top control

Exhaust system consisting of:

Catalytic converter, probes, exhaust system sensors, particulate filter

Comfort systems and components consisting of:

Electric seat heating, electric windscreen wiper motors, complete multimedia/radio navigation system, exterior mirrors, parking sensors, parking assist, distance control, cruise control, lane-keeping assistant, head-up display, high-beam assistant, all headlight servo motors, LED lamps, xenon lamps, anti-theft system

BESTSELLER

Motorcycle: Warranty offer up to 350 cc “PREMIUM” (combustion)

The "PREMIUM" warranty for your motorcycle up to 350 cc. Max. claim amount CHF 4,000, no deductible. Up to 80,000 km or 20 years from first registration.

monthlyCHF 29.90excl. VATDetails & order

Monthly payment = 12x CHF 32.32, including VAT | Semi-annual payment with a 5% discount = 2x CHF 184.23, including VAT | Annual payment with a 10% discount = 1x CHF 349.08, including VAT.

CHF 0.00 setup fee through December 31, 2026! For full details and information, see our GTCs and FAQs.

Engine consisting of:

Engine casing, crankcase, cylinders, cylinder bores, cylinder head, crankshaft, connecting rods, connecting rod bearings, crankshaft bearings, pistons, piston rings, piston pins, balancer shafts, valves, valve guides, valve seats, valve springs, camshafts, camshaft bearings, rocker arms, finger followers, bucket tappets, hydraulic lifters (if present)

Lubrication consisting of:

Oil pump, oil pump drive, oil pressure control valve, oil suction pipe

Timing drive consisting of:

Timing chain, timing chain sprockets, timing chain tensioner, timing chain guides, gear timing drive (if present), camshaft adjuster (if present)

Transmission consisting of:

Transmission housing, transmission gears, transmission shafts, shift drum, shift forks, bearings, bushings, internal shift mechanism

Electronics consisting of:

Engine control unit (ECU), crankshaft sensor, camshaft sensor

Electrics consisting of:

Starter, alternator, regulator/rectifier, wiring harness, relays, fuses

Cooling system consisting of:

Water pump, radiator, thermostat, radiator hoses, radiator fan, expansion tank

Fuel system consisting of:

Fuel pump, injection nozzles, carburetor, fuel lines

BESTSELLER

Motorcycle: Warranty offer from 351 cc “PREMIUM” (combustion)

The "PREMIUM" warranty for your motorcycle from 351 cc. Max. claim amount CHF 7,000, no deductible. Up to 80,000 km or 20 years from first registration.

monthlyCHF 49.90excl. VATDetails & order

Monthly payment = 12x CHF 53.94, including VAT | Semi-annual payment with a 5% discount = 2x CHF 307.47, including VAT | Annual payment with a 10% discount = 1x CHF 582.57, including VAT.

CHF 0.00 setup fee through December 31, 2026! For full details and information, see our GTCs and FAQs.

Engine consisting of:

Engine casing, crankcase, cylinders, cylinder bores, cylinder head, crankshaft, connecting rods, connecting rod bearings, crankshaft bearings, pistons, piston rings, piston pins, balancer shafts, valves, valve guides, valve seats, valve springs, camshafts, camshaft bearings, rocker arms, finger followers, bucket tappets, hydraulic lifters (if present)

Lubrication consisting of:

Oil pump, oil pump drive, oil pressure control valve, oil suction pipe

Timing drive consisting of:

Timing chain, timing chain sprockets, timing chain tensioner, timing chain guides, gear timing drive (if present), camshaft adjuster (if present)

Transmission consisting of:

Transmission housing, transmission gears, transmission shafts, shift drum, shift forks, bearings, bushings, internal shift mechanism

Electronics consisting of:

Engine control unit (ECU), crankshaft sensor, camshaft sensor

Electrics consisting of:

Starter, alternator, regulator/rectifier, wiring harness, relays, fuses

Cooling system consisting of:

Water pump, radiator, thermostat, radiator hoses, radiator fan, expansion tank

Fuel system consisting of:

Fuel pump, injection nozzles, carburetor, fuel lines