This is the reduction in a vehicle’s value caused by age, mileage, use, and technical condition.
Vehicle wear and tear is the reduction in a car’s value over time because of use, mileage, age, and overall condition.
Put very simply:
So wear and tear is the normal loss of value of a vehicle and its parts as they are used.
Wear and tear does not appear only because something serious happened to the car. It develops by itself during normal use.
Usually, it is affected by:
In other words, the longer the car is used, the higher the chance that its value is already lower than that of a similar new vehicle.
In insurance, wear and tear matters because it may affect the calculation of a car’s value, the value of parts, and the amount of insurance indemnity.
For example:
In practice, this means that the insurer and the client may look not only at the fact of damage itself, but also at how worn the vehicle or its parts already were at the time of the insured event.
This is one of the easiest points to understand.
When a person buys a new car, it has one price. After several years of use, the price is different, even if the vehicle is still generally in good working order. The reason is that the vehicle has lost part of its original value.
That is why wear and tear is used when it is necessary to understand:
So wear and tear is not an abstract accounting concept, but a real factor in the market value of a car.
In practice, people usually look not only at mileage, but also at:
So wear and tear is not just one number “by age,” but an indicator connected with the real condition of the vehicle.
This is one of the most sensitive questions for a vehicle owner.
If the terms of an insurance product say that the calculation is made with wear and tear taken into account, the final amount may be lower than the person expected.
Put simply:
That is why the term “wear and tear” is directly connected with the client’s expectations about payment.
These are not the same thing.
For example, material fatigue or general aging of a part is wear and tear. But a broken headlight after an accident is already damage.
In other words, wear and tear may exist even without an insured event, while damage is usually connected with a specific incident.
Mileage — how many kilometers the vehicle has traveled since the start of use.
This is one of the indicators that may be used to determine wear and tear.
Market value — the price of the vehicle at the current moment, not on the day it was bought.
Wear and tear affects this directly.
Insurance indemnity — the amount of compensation under insurance.
In some cases, it may be calculated with wear and tear taken into account.
Technical condition — how well or poorly the vehicle and its parts have been preserved by a certain moment.
This also affects how wear and tear is viewed.
This term is especially important if you:
Put simply, vehicle wear and tear is one of the basic things that affects both the price of a car and insurance calculations.
Let us imagine a situation. Aziz from Tashkent insures a car that is already 6 years old, and the mileage is 118,000 km. The car looks neat from the outside, but during calculations the insurer and the assessor understand that this is no longer a new vehicle and that its parts also have accumulated wear and tear.
What this means in practice:
The conclusion is very clear: vehicle wear and tear is a normal part of a car’s life, and that is why it affects its value, assessment, and insurance calculations.
Dilshod from Tashkent drives a car that is already 7 years old. The vehicle is in good condition, but the mileage is well above 100,000 km, and he understands that it is worth much less than a new one.
This is a normal example of vehicle wear and tear. Even without an accident, a car gradually loses part of its value because of age, mileage, and everyday use.
Shahnoza from Samarkand expected that after an insured event the amount would be calculated almost like for a new car. But the calculation showed that the age of the vehicle and the condition of the parts also mattered.
This situation shows why wear and tear matters in insurance. If the product rules take wear and tear into account, the final payment may be lower than the person expected.
Bekzod from Andijan noticed that some parts of his car had already lost their earlier appearance and service life, even though the vehicle had not been in any serious accident. Later, after a small crash, a separate specific defect appeared.
That is how he saw the difference: natural aging and loss of value are wear and tear, while specific harm after an incident is damage. In insurance, these things are not treated as the same.
This is the obligation of a vehicle owner or driver to compensate for harm caused to other people, their property, health, or life while using a vehicle
This is a road incident in which harm was caused to people, vehicles, roads, structures, or other property.
KASKO is insurance that protects not someone else’s car, but your own. Put very simply, it is like a financial safety cushion for your vehicle: if there is an accident, a broken window, parking damage, a fallen tree, or even theft, the insurance company can take on part of the big expenses. The main idea is simple: KASKO helps you avoid facing major car-related costs alone.
Motor third-party liability is your responsibility to other people if, because of your actions on the road, their car, property, health, or life is harmed. Put simply, it is a rule for situations where a driving mistake leads to someone else’s loss. The main idea is simple: this responsibility exists so that the injured party is not left without compensation, and the driver at fault does not have to handle everything alone out of pocket.
Insurance for a car loan is protection connected not just with the car itself, but with buying that car on credit. Put very simply, the bank gives money for the vehicle and wants to be sure that both the car and the repayment process remain protected. That is why insurance often comes together with a car loan: it helps reduce risks both for the bank and for the borrower if something serious happens to the car.
This is a simplified procedure for recording a traffic accident without calling traffic police, when the drivers themselves document the circumstances for insurance settlement.
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