What Is Mechanical Breakdown Insurance?

Mechanical Breakdown Insurance, also known as MBI, is a type of insurance that provides coverage for mechanical and electrical components of your vehicle. This type of insurance covers the repair or replacement of any part that fails due to a mechanical defect. It typically includes parts like the engine, transmission, starter, fuel pump, and alternator. MBI can also cover parts like the air conditioning, brakes, and suspension components. It does not cover the repair of wear and tear items such as tires, brakes, and shocks, which are typically covered by your standard car insurance policy.

MBI is a great way to protect yourself from the costs of repairs if something goes wrong with your car. It can help you avoid costly repairs that are not covered by your standard car insurance policy. In some cases, MBI can even be more cost effective than having to pay out of pocket for repairs. Many people find that having MBI helps give them peace of mind when they are on the road.

Benefits of Mechanical Breakdown Insurance

MBI can be a great addition to your car insurance coverage. It can provide you with extra protection in the event of a mechanical breakdown. Some of the benefits of MBI include:

Peace of mind knowing that you are covered in the event of a mechanical failure.
The ability to get your car repaired quickly and easily in the event of a breakdown.
The potential to save money on costly repairs.
The ability to have the repairs done at a certified repair shop.

What Is Covered by Mechanical Breakdown Insurance?

MBI typically covers the repair or replacement of any part that fails due to a mechanical defect. This includes parts such as the engine, transmission, starter, fuel pump, and alternator. It can also cover parts like the air conditioning, brakes, and suspension components. It does not cover the repair of wear and tear items such as tires, brakes, and shocks, which are typically covered by your standard car insurance policy.

How Much Does Mechanical Breakdown Insurance Cost?

The cost of MBI can vary depending on the type of vehicle you have and the coverage you choose. Generally, MBI can cost anywhere from a few hundred dollars to a few thousand dollars per year. Some car insurance companies offer MBI as part of their standard policy, so be sure to ask your provider about MBI coverage options.

Is Mechanical Breakdown Insurance Worth It?

MBI can be a great option for those who want extra protection in the event of a mechanical breakdown. It can help you avoid costly repairs and give you peace of mind when you are on the road. The cost of MBI can vary, so it’s important to compare different policies and determine which one is right for you. Ultimately, having MBI can help protect you and your vehicle in the event of a mechanical breakdown.