If you own a car or truck, you’ve likely heard of your oil filter. However, you may not know what it is. Understanding some of the essentials of engine maintenance and how your vehicle works can help you keep your car or truck in better shape. This is the guide for you if you’ve ever asked what do oil filters do?
Oil Filters: The Basics
Unsurprisingly, the main purpose of your oil filter is to filter out contaminants from your car or truck’s oil. Engine oil is used by your vehicle to lubricate the moving parts inside your engine including gears, cams, piston, bearings and more.
Your oil is not consumed by the engine running. Instead, the same oil is used continuously and repeatedly until you change it. Therefore, it can pick up unwanted contaminants during its journey around your engine. This is where the oil filter comes into play. The filter helps to keep your oil cleaner for longer. Without it, you would constantly be needing an oil change.
As your oil finishes a loop of the engine and is about to start again, it passes through the oil filter. The benefits of the filter include:
- Catches contaminants in the oil including dirt, soot, varnish and sludge
- Keeps your oil cleaner for longer
- Helps oil flow around the engine more freely
- Improves engine performance
Changing Your Oil Filter
Clearly, the oil filter is an essential part of your engine’s regular operations. It is important to change your oil filter every time you change your oil. If you don’t, the new clean oil will be immediately exposed to the contaminants that were removed from the old oil. Additionally, the oil filter will not be effective in removing contaminants from the new oil.
You may be wondering how long does an oil change take? Depending on whether you do it yourself or have a professional do it, the process can take 15 to 60 minutes. If you are experienced or you take it to a shop that can see your vehicle right away, it will only take about 15 minutes. Otherwise, it can take a while longer.
During your oil change process, replace the filter once you have removed the old engine oil. Keep in mind that it may contain old oil, so you should place your drain pan beneath the filter before removing it. Simple losing the filter with a wrench then clean the mounting surface, ensuring you haven’t removed the gasket with the old filter.
Lubricate the new filter then screw it into place by hand. Typically, you do not need to use a wrench to tighten the filter. However, you should consult the filter’s instructions. Once the new filter is positioned, you can continue with your oil change.
Changing your oil and oil filter is a simple maintenance task. Anyone can learn how to do it. Head down to the best auto parts store near you and pick up a drain pan, wrench, funnel, oil and oil filter. You’ll be taking care of your own car or truck in no time.
All About Zero Depreciation Add-On Under Bike Insurance
If you have decided to insure your bike using a comprehensive policy, congratulations! You have taken a step in the right direction in safeguarding your bike. Without purchasing an insurance policy, you cannot be a hundred percent sure of not having to incur expenses for repairs or damages. However safe you ride, there are other vehicles that cannot be guaranteed to be driven with the same level of safety. This where a bike insurance policy comes into picture to save you from burning a hole in your pocket. Moreover a comprehensive policy benefits by providing coverage for own damage apart from the basic policy cover for third-party liabilities only.
Although not all damages are covered by a comprehensive bike insurance plan, one such exception is depreciation on your bike. At the time of the claim, the insurance company deducts the depreciation of your vehicle to settle the claim amount. While it is a standard practice to account for depreciation, it substantially reduces the claim amount. However, you can avoid this reduction of claim amount by purchasing a zero depreciation add-on.
What is a zero depreciation add-on?
Zero depreciation add-on is an optional coverage available for comprehensive two-wheeler insurance plans. With this additional coverage, you can be sure that you receive the entire amount of spares that are required in the repair of your bike. Although that doesn’t imply you shall receive the entire cost of repairs. You will still be required to pay the mandatory deductible as per the terms of the policy.
Why is it important to purchase a zero depreciation add-on?
Depreciation is the phenomenon that all motor vehicles are subject to and it reduces their value over time. At the time of repairs, the insurers deduct this depreciation from its payout. Some insurers offer zero depreciation included in its standard comprehensive policy. On opting for this additional cover, you can be rest assured that the entire amount of spares required for replacement shall be paid by the insurer.
Benefits of zero depreciation cover vis-a-vis its cost
This depreciation waiver by using a zero depreciation add-on benefits by reducing the out-of-pocket expenses to a minimum, if not entirely zero. The savings in payment at the time of claim make up for the cost of additional coverage. Moreover, these add-on covers do not require you to shell out a lot of money, but are highly affordable. Just for a fraction of your premium amount, you can opt for this additional coverage and avail maximum payout at the time of settlement. If you don’t have one at present, buying one at the time of two wheeler insurance renewal will definitely benefit in the long run.
Apart from zero depreciation add-on, there are quite a few add-ons that can be added to your policy coverage. This will help to enhance the bike insurance coverage significantly. If budget is something that you are worried about, using a two wheeler insurance premium calculator can help you consider the right set of add-ons to combine with the zero depreciation cover. To conclude, do not miss buying a zero-depreciation add-on with your comprehensive plan as it significantly enhance the scope of the policy for a marginal increase in premium.
Does Your Car Insurance Have a Cashless Claim Facility?
Cashless insurance was first introduced in the health insurance sector where it started to gain popularity. This led the general insurance companies to bring this concept into other areas like car and bike insurance, home insurance, etc. The Motor Vehicles Act makes it mandatory to have an insurance policy for all car owners. While a third-party car insurance is a minimum requirement, you can upgrade your coverage to a comprehensive policy.
Now coming to insurance payouts, there are two methods – cashless or reimbursement. This article elaborates on the cashless facility available for car insurance plans.
What is cashless insurance?
Insurance companies have tie-ups with service centres for hassle-free repairs to your vehicle. Here, you need not worry about arranging funds for the cost of repairs and damages at insurance claim. Thus, the convenience scales above all benefits to rank higher.
An understanding of cashless insurance cover
When you are searching for car insurance online, make sure you purchase a policy with a cashless facility where the insurance company takes care of the repair costs. Barring a few expenses like the deductible, you need not pay for the repairs.
How does cashless claim work?
To raise a claim using the cashless facility, you need to take your vehicle at one of the listed network garages. These network garages are affiliated with the insurer where a cashless facility can be availed. For other service stations, you might be required to pay from your own pocket at first and then claim a reimbursement. Since you choose to repair your vehicle at a network garage, the insurance claim process is faster with lesser need for documentation.
Step by step process to make a claim using the cashless facility
Here is a detailed step by step process for you to understand how to make a claim using the cashless insurance facility.
Step 1: In the event of an accident or damage, the first step is to intimate the insurance company, and if need be, file an FIR with the police station of that jurisdiction.
Step 2: The insurance company will arrange an inspection at the spot by a surveyor and tow your vehicle to the nearest network garage.
Step 3: On assessment of the damage at the network garage, the estimated cost of repairs shall be sent for approval to the insurance company. Only after the approval, the repairs shall be commenced. Any repairs that do not fall in the scope of your policy shall be required to be paid from your own pocket.
Step 4: On completion of the repairs, all invoices shall be sent to the insurance company. At this stage, you shall be required to pay for the mandatory deductibles and other expenses that do not fall in the purview of your policy while your insurer settles the balance amount directly with the network garage. In case your vehicle is damaged beyond repair, the insurer shall pay the IDV of your vehicle as compensation.
Note the above benefits and the easy steps that make using a cashless insurance facility a breeze. While you select from myriad choices, make use of a car insurance premium calculator that can assist not only your first purchase, but also car insurance renewal.
Things to Consider Before Deciding to Upgrade Your Car
You may always feel the need to make the latest car upgrade once you have noticed that manufacturers have new components released, right? The urge to purchase and revamp your car may be vital if it has been used for years. You can also justify a car enhancement if it suits your personal goals or fits well with its intended purpose. However, before you head on and check for car part prices, consider these important things.
Does the Car Part Need Immediate Replacement?
Before you consider a car part replacement, ask yourself. Do I really need this part replaced? Or can the replacement be postponed for some other time? Making a reflective decision based on an informed choice is essential as it will save you from unwarranted spending and maximize the functionality of the car part involved. It is also recommended to check for the car part’s warranty to utilize this feature before making a new purchase. If you need a specific car part replacement, you can look online for xforce exhaust and check for similar products in their collection.
Is the Car Part Affordable and Within Your Budget?
One of the most important things to consider before making that car part purchase is whether the said part can be bought within your budget. It would not be ideal to make an expensive car part purchase. A related concern is that you should only make a car item purchase given the right time. However, if the need outweighs the allocated budget and you find that it is convenient to make a car part replacement, that is the ideal time to make the purchase. Alternatively, you can check for cheaper aftermarket auto parts suppliers like the xforce exhaust. They offer an extensive collection of car part modifications and supplies to help you with your future modding projects.
Can You Install the Part Yourself? Or Do You Need Professional Assistance?
As a number one rule for consumers, you should never invest in an item that has nothing to do with your intended purchase. Never buy something that you have no prior knowledge about; Aside from being inconvenient, buying things you do not have complete knowledge of can only lead to wasted money and investment. Before making that purchase:
- Research the car part itself, its use, price ranges, and present market value.
- Never go on a spending spree without doing some additional research. If you are having trouble installing it yourself, then consider resorting to professional help.
- Be a wise consumer!
Some numerous factors and considerations need to be evaluated before deciding to make a car part upgrade. Such factors are crucial in determining whether the car enhancement is justifiable, practical, and efficient in meeting performance demands. Consequently, it is essential to recognize if the modification fits within the budget or if the car part needs immediate replacement. Knowing these things will help you make your future decisions, but it can also give you more information on purchasing.
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