Mechanical Breakdown Insurance
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Mechanical breakdown insurance (MBI) can be a lifesaver when it comes to safeguarding your vehicle from unforeseen mechanical breakdowns. While normal auto insurance policies primarily cover accidents and collisions, MBI covers mechanical and electrical breakdowns as well. In this comprehensive guide, we will delve into the world of mechanical breakdown insurance, exploring its coverage, benefits, and some of the best providers in the industry. So buckle up and let’s embark on a journey to discover the power of MBI!

Understanding Mechanical Breakdown Insurance

Mechanical breakdown insurance (MBI) is a type of coverage that protects you against unexpected car repairs caused by mechanical or electrical breakdowns. Unlike traditional auto insurance, which primarily covers accidents and collisions, MBI concentrates on your vehicle’s internal components and systems. When your car suffers a covered breakdown, it provides financial protection, helping you to avoid the high costs of repairs.

MBI is especially useful when the manufacturer’s warranty on your car ends. While most warranties cover repairs for a set period or mileage, MBI extends that coverage, guaranteeing you’re protected even after the warranty has expired. This form of insurance is handy for used car owners or those who intend to maintain their automobiles for an extended period.

It is vital to understand that MBI is a separate insurance policy, not an extended warranty. It provides benefits including flexibility in selecting repair facilities, coverage for both parts and labor expenses, and the ability to transfer the policy to a new owner if you sell the vehicle.

MBI coverage varies per provider, so it’s critical to read the fine print on each policy. Different insurance companies may give varying levels of coverage, deductibles, and claim processes.

What Does Mechanical Breakdown Insurance Cover

Mechanical breakdown insurance protects your vehicle’s mechanical and electrical components. While coverage details may differ between insurance companies, the following are some common areas generally covered by MBI coverage:

  • Engine: Mechanical breakdown insurance frequently covers the engine and its internal components, such as the pistons, crankshaft, camshaft, bearings, valves, and timing belts. If any of these components fail due to mechanical or electrical faults, your MBI policy can help cover the repair expenses.
  • Transmission: Your vehicle’s transmission is an important component, and MBI normally covers both automatic and manual transmissions. MBI can assist with transmission repairs, whether it’s a malfunctioning torque converter, gears, or clutches.
  • Electrical Systems: From your vehicle’s starter motor to its alternator and other electrical systems, MBI frequently covers electrical failure repairs. Your MBI policy can provide the required financial protection in the event of a broken wiring harness or a malfunctioning alternator.
  • Cooling and Heating Systems: MBI policies frequently cover repairs to your vehicle’s cooling and heating systems, including the radiator, water pump, thermostat, and heater core. MBI can help if your car is experiencing problems such as overheating or a lack of heat.
  • Suspension and Steering: MBI frequently covers your vehicle’s suspension and steering components, such as shocks, struts, control arms, tie rods, and power steering systems. If you experience strange vibrations, difficulty steering, or excessive bouncing, your MBI policy may be able to cover the necessary repairs.
  • Braking System: MBI normally provides coverage for brake system repairs, which include components like brake calipers, rotors, pads, master cylinders, and anti-lock braking systems (ABS). If you have braking problems or have limited stopping power, your MBI policy may provide financial assistance.

Best Mechanical Breakdown Insurance

Several aspects come into play when selecting the finest Mechanical Breakdown Insurance (MBI) provider, including coverage options, customer service, reputation, and pricing. In this section, we will look at the prominent providers known for providing high-quality MBI coverage:

#1. GEICO Mechanical Breakdown Insurance:

GEICO, a well-known and reliable insurance provider, provides extensive MBI coverage. You can rest easy knowing that your vehicle is secured against unforeseen mechanical failures with GEICO Mechanical Breakdown Insurance. They offer customizable programs for new and used cars, catering to a wide range of budgets and needs. GEICO is a good choice for MBI coverage due to its exceptional customer service, rapid claims process, and cheap pricing.

#2. Endurance:

Endurance is a well-known provider of extended car protection plans, such as mechanical breakdown insurance. They provide comprehensive coverage alternatives that can be adapted to individual interests and budgets. Endurance’s MBI plans cover a wide range of mechanical components and include extras like roadside assistance, rental car reimbursement, and travel interruption coverage. Their network of approved repair facilities guarantees that customers have access to dependable service. Endurance is a reliable solution for MBI due to its outstanding reputation for customer service and claims management.


CARCHEX is a leading provider of Mechanical Breakdown Insurance for both new and used vehicles. They provide diverse coverage options and terms, letting you tailor your insurance to your specific needs. CARCHEX offers complete coverage and has a nationwide network of reputable repair shops. Their dedication to timely claims processing and excellent customer service has earned them a respectable reputation in the MBI sector.

#4. Ally Premier Protection:

Mechanical breakdown insurance plans are available from Ally Premier Protection and provide comprehensive coverage for mechanical issues. Their plans cover a wide range of components, such as the engine, transmission, and electrical systems, among others. Ally Premier Protection offers several coverage levels to meet your needs and budget. Ally Premier Protection is a dependable alternative for MBI coverage because of its dependable claims process and outstanding customer service.

#5. Protect My Car:

Protect My Car is a reliable source of mechanical breakdown insurance that is well-known for its many coverage options and low prices. They provide customizable plans with varying levels of coverage, allowing you to select the best solution for your vehicle and budget. Protect My Car features a network of approved repair shops and offers extras like roadside assistance and rental car reimbursement.

Mechanical Breakdown Insurance Used Car

Mechanical breakdown insurance (MBI) for used cars is an important option to consider if you want to protect yourself from unexpected repair bills. When buying a used car, the chance of mechanical failures and breakdowns is greater than when buying a new vehicle. MBI can provide coverage for eligible component repairs or replacements, allowing you to avoid large out-of-pocket payments.

Here are some important factors to consider when purchasing mechanical breakdown insurance for a used car:

  • Coverage Options: Look for an MBI provider who provides comprehensive coverage for a wide range of mechanical components. Check if the policy covers major systems such as the engine, transmission, drivetrain, electrical systems, air conditioning, and other components.
  • Age and Mileage Restrictions: Some MBI providers may impose restrictions on the age and mileage of the used car. Check to see whether your vehicle satisfies the coverage requirements.
  • Pre-Purchase Inspection: Before purchasing mechanical breakdown insurance, consider having a pre-purchase inspection performed on the used car. This inspection can assist in identifying any current mechanical faults as well as ensuring that you are aware of the vehicle’s condition before acquiring coverage.
  • Deductibles and Coverage Limits: Understand the MBI policy’s deductibles and coverage limits. Determine whether the deductible amount is appropriate for your budget and whether the coverage limits are adequate to cover any damages.
  • Claims Process: Look into the MBI provider’s claims process and reputation for customer service. To guarantee a smooth and speedy claims experience, look for ratings and feedback from previous consumers.
  • Cost: Compare Mechanical Breakdown Insurance provider pricing and coverage options to get the greatest blend of affordability and comprehensive coverage. To make an informed decision, consider receiving quotes from multiple firms.

Remember to thoroughly read the MBI policy’s terms and conditions, including any exclusions or limitations.

Geico Mechanical Breakdown Insurance

GEICO Mechanical Breakdown Insurance is a complete coverage option provided by GEICO, one of the country’s largest and most well-known insurance companies. MBI from GEICO is intended to protect car owners from unexpected mechanical failures and the associated repair costs.

Here are some of the most important features and benefits of GEICO Mechanical Breakdown Insurance:

  • Coverage Options: GEICO provides coverage alternatives that can be tailored to your specific needs and budget. Their MBI designs cover a wide range of mechanical components, such as the engine, transmission, drivetrain, electrical systems, air conditioning, and other components.
  • Vehicles Eligible: GEICO’s MBI is available for both new and used vehicles. This makes it a versatile alternative, whether you’ve recently purchased a car or own a used vehicle.
  • Claims Process: GEICO is well-known for its quick and easy claims process. In the event of a mechanical failure, you can get help from GEICO’s claims staff. They will walk you through the procedure and work with you to get your vehicle fixed as soon as possible.
  • Additional Benefits: Roadside assistance, rental car reimbursement, and trip interruption coverage may be included in GEICO’s MBI plans. In the event of a breakdown, these supplementary services might provide additional assistance and convenience.
  • Competitive Rates: GEICO’s Mechanical Breakdown Insurance plans provide competitive rates. It is always a good idea to compare quotes from different providers to ensure you are getting the best coverage at the best price.

To understand the particular coverage details, exclusions, deductibles, and limits that apply, it’s critical to read the terms and conditions of GEICO’s Mechanical Breakdown Insurance policy. Overall, GEICO Mechanical Breakdown Insurance can give you peace of mind and financial protection against unexpected mechanical breakdowns, providing you confidence on the road knowing you’re covered in the event of a breakdown.

What is not covered under mechanical breakdown?

Mechanical breakdown insurance (MBI) often covers unforeseen mechanical failures of covered vehicle components. However, there are several restrictions and limitations to what an MBI policy covers. While specifics vary depending on the provider and policy, the following are some common examples of what is often not covered:

  • Routine Maintenance
  • Wear and Tear
  • Pre-existing Conditions
  • Non-Covered Components
  • Misuse or Neglect
  • Commercial Use
  • Accidents or Collisions

Is the mechanical protection plan worth it?

The value of a mechanical protection plan, such as mechanical breakdown insurance (MBI), is determined by a variety of factors, including your personal situation, vehicle reliability, and risk tolerance. It is crucial to highlight that the usefulness of a mechanical protection plan varies based on the conditions of the individual. Some people may never need it; however, others may require considerable repairs, making the plan beneficial. Assessing your personal situation, vehicle reliability, and financial concerns will assist you in determining whether or not a mechanical protection plan is worthwhile for you.

What is the difference between mechanical failure and wear and tear?

A mechanical breakdown is caused by a defective component or faulty workmanship, while wear and tear is caused by normal use over time.

What is an example of mechanical breakdown insurance?

Mechanical breakdown insurance (MBI) is an optional component of car insurance that covers trips to the mechanic that are not the result of an accident. MBI will cover a broken engine or a hole in your air conditioner line, for example.

What is considered mechanical damage?

Mechanical damage is defined as material loss due to a mechanical action. Localized damage to a pipeline known as mechanical pipeline damage results from contact between the pipe and an object.

Is a mechanical breakdown the same as an equipment breakdown?

While mechanical and equipment breakdowns involve the failure of machinery or equipment, they are not the same. There are some differences in terms of the scope of coverage and the types of equipment typically included.

How do you use a mechanical protection plan?

Bring your vehicle to your dealership, a partner dealership, or an ASE repair facility. Before beginning work, the repair facility will call MPP to obtain pre-authorization. Furthermore, MPP will pay the repair facility immediately. It’s that easy!

How much is the best CarShield plan?

Depending on the type of coverage you select, most CarShield policies cost between $110 and $130 per month.

Is a protection plan the same as insurance?

A protection plan and insurance are comparable in that both provide coverage for specific risks or situations, but they are not identical.


Owning a vehicle is a significant investment, and protecting it from unexpected expenses is essential. Mechanical breakdown insurance (MBI) can provide the necessary coverage to safeguard your vehicle investment and give you peace of mind on the road. By considering the factors discussed in this guide, you can make an informed decision when selecting an MBI provider.

Remember to review the terms and conditions of the MBI policy carefully to understand the coverage details, exclusions, and any limitations that may apply. If you have any questions or concerns, reach out to the MBI provider for clarification.

By taking these steps and investing in a reliable mechanical breakdown insurance policy, you can safeguard your vehicle investment, enjoy peace of mind, and drive confidently knowing that unexpected mechanical failures are covered.


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