Will Insurance Cover DEF In Diesel Tank? (Explained)

If you are a diesel engine vehicle owner, you should have a precise idea about the insurance policy or coverage of the insurance firm regarding your vehicle. For example, it’s important to know the types of costs your insurance company bears for you.

Will insurance cover DEF in the diesel tank? Most insurance policies will not cover damage caused by DEF in diesel tanks. However, there may be some instances where comprehensive coverage includes this damage. But, finding those insurance companies is hard.

In this article, we will cover some of the inevitable facts related to DEF, what it is, is DEF in diesel tanks under insurance coverage, the benefit of DEF, and the way to remove DEF from the diesel tank.

Will Insurance Cover DEF In Diesel Tank

What Is DEF And What Does It Do For Your Truck Or Car Engine?

Diesel vehicles, especially medium and heavy-duty trucks manufactured l

Vehicle owners were not willing to accept the new technology. They couldn’t think of paying more for fuel to keep the environment safe.

But, as the day progressed, the DEF proved their thinking wrong. It just works way better than diesel fuel without reducing the engine performance. The OEM manufacturer started to implement the technology without changing the engine design.

Moreover, you may want to know what Diesel Exhaust Fuel (DEF), a single liquid-reductant agent, does for your truck engine.

As we mentioned, the DEF ensures environmental protection from diesel engines and is good for diesel engine vehicles.

What the DEF does in the Selective Catalytic Reduction (SCR) system is that the advanced injection system sprays DEF into the exhaust stream of diesel vehicles.

The DEF is converted into ammonia, breaking down the dangerous ox-emissions produced by the diesel engine. The final catalyst then removes the remaining ammonia.

Most of the time, the DEF reduces diesel engine emissions by up to 90%, which is impressive.

Will Insurance Cover DEF In Diesel Tank?

It depends on the insurance policy. But, no insurance policy for vehicles directly states that the insurance will cover DEF in diesel tanks. And, to be honest, it isn’t supposed to cover.

Most of the insurance policies we see regarding vehicles are made to provide insurance when there is any type of damage to the vehicle. An unexpected accident is a core example in this case.

Furthermore, there is something called liability coverage, where you need to pay money if you harm someone else’s vehicle.  Similarly, there are mainly 6 types of coverages.

But, you can’t find the issue of DEF on diesel tanks that falls under any insurance policy coverage. That’s why most insurance companies are not ready to pay insurance regarding damage caused by misfuelling. 

Should you worry?

No, we have also seen some of the insurance companies are ready to pay insurance if you unwillingly add DEF to the diesel tank.

In most cases, the issue comes under comprehensive coverage where the insurance companies are supposed to pay insurance damage due to fair, theft, etc.

But insurance companies covering the DEF in fuel tanks near you are hard to find. There are a few numbers of those companies that exist.

Therefore, it’s better to know your insurance provider’s insurance policy. If you are looking forward to having insurance for your vehicle, discuss it with your insurance provider.

Moreover, finding an insurance provider who won’t mind paying your insurance for DEF on the diesel tank is much better. Furthermore, prevention is better than cure, so you should be careful while refilling the diesel tank on your vehicle.

The Benefits Of Using DEF In Your Vehicle

Diesel Exhaust Fuel (DEF) has become a blessing for vehicles with a diesel engine. That’s why the popularity of the DEF is sky-high, and there are valid reasons behind this as well.

When it comes to using the DEF in your vehicle, you should know what value it provides. Is this only good for the environment? Is it valuable for anything else? Why should I spend more money on DEF than other engine fuel? These are questions people often ask.

So,  let’s break down the benefits of using DEF.

Safe For environment

The main purpose why the DEF is introduced is to reduce the harmful emission of the diesel engine. However, the salutation has been well-proven. Excessive N-ox and other harmful particles from diesel engines used to have a severe effect on the environment.

DEF is mixed with the proper ratio of urea and water, which are known to reduce emissions on a larger scale. Thanks for the Selective Catalytic Reduction (SCR) technology for using the DEF. 

DEF is sprayed with the engine stream by the injection system and turns the harmful N-0x into harmless nitrogen and water.

Improve Engine Performance

This is another significant reason why diesel engine vehicle owners accept the Selective Catalytic Reduction (SCR) technology and DEF. It has been well proven that the DEF boosts the engine’s performance, no matter what type of vehicle.

This is due to the effective emission system that lets your vehicle engine run smoothly and ensures optimal performance. More precisely, proper fuel consumption helps the engine to run the vehicle at a decent speed.

Standard engine condition is all it needs to increase diesel engine performance; the DEF in this regard just ensures it.

Impressive Fuel Economy

One of the most significant facts regarding DEF is that it ensures impressive fuel economy. But how? Well, the DEF releases more Oxygen through combustion and reduces the emission of harmful n-ox. Rather, it allows the engine to emit clear nitrogen and water, making it more efficient. 

When the engine becomes efficient, it is more likely to consume less fuel without reducing engine performance.

Do you own a heavy-duty truck? No worries. You will get optimal fuel efficiency with the help of the DEF.

In addition, the DEF ensures a ratio of 50ঃ1 with the diesel. This means 1 gallon of DEF is required for every 50 gallons of diesel.

Furthermore, according to a huge group of diesel engine vehicle owners, the DEF can improve fuel economy by 3-5%.

Easy Maintenance

Compared to other types of engine fuel, the vehicle having DEF is pretty easy to maintain. Furthermore, as it provides impressive fuel mileage, there’s no need to refill your DEF tank repeatedly.

You don’t need to worry about the life expectancy of your vehicle engine, as the DEF doesn’t contain any harmful elements.

How Do You Remove DEF From A Diesel Tank?

Removing the DEF from a diesel engine may seem difficult for you if you don’t have the right tools. Besides, knowledge about diesel tanks is also something you need. But, let’s say you are OK with the necessary tools and knowledge about diesel tank.

Below are the steps you should follow to remove the DEF from a diesel engine.

Step 1: Drain the Def Fuel

To remove the DEF from the diesel tank, first, you need to drain the DEF from the diesel tank. In most cases, draining fuel from the diesel tank is not so easy.

In this case, you should unscrew the water separator of the fuel filter, and it will drain the water and DEF from the diesel tank. Moreover, Getting all the DEF out of your vehicle may take some time.

Step 2: Add Clean Diesel Fuel and Fuel Tank Cleaner

Once you are able to drain the DEF fuel, you should add a few gallons of diesel fuel and fuel tank cleaners to the diesel fuel tank.

Step 3: Flash the Diesel Fuel and Cleaner From the Diesel Tank

Like what you did to drain away the DEF fuel, you also need to drain or drop the diesel fuel and tank cleaner. It may also take some time.

Step 4: Add Diesel Fuel Again to the Fuel Tank and Run Your Vehicle

Here, you need to add another few gallons of diesel fuel and run your run for a few minutes. This will help you eliminate DEF from the diesel tank as fuel emission occurs.

Step 5: Change the Fuel Filter

Changing the fuel filter once the DEF gets in touch with the diesel engine is mandatory. For this, you need to put out the old fuel filter and put in the new one.

Note: It is not uncommon that you find removing the DEF from the diesel tank difficult. In this case, going with the mechanic will be the best solution.

Furthermore, try to contact your vehicle manufacturer or dealer as well.


Finally, if you are looking forward to having Insurance for your vehicle, make sure the insurance policy covers DEF on diesel tanks. So, will insurance cover DEF in the diesel tank? It depends.

Meanwhile, if you already have Insurance for your vehicle, contact the insurance company to see whether they can include the DEF on the diesel tank as Comprehensive coverage.

If you put the DEF unwillingly on the fuel tank and realize it, don’t forget to remove the DEF from the fuel tank as fast as possible. Besides, never hesitate to call a mechanic in this case too.

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