Mechanical Breakdown Insurance

Features Of Mechanical Breakdown Insurance Policies

Mechanical breakdown insurance (MBI) is a type of car insurance that helps pay for car repairs for damage that happened in situations other than a collision.

Let’s say your car’s AC compressor is damaged and needs to be replaced. A standard insurance policy wouldn’t cover it, but mechanical breakdown insurance would.

You should know that MBI policies come with a deductible. So only after you pay the deductible does MBI cover the cost of fixing your car if it breaks down or needs a repair.

You can’t buy MBI from all insurance companies, but many do offer it. Just ask your insurance rep about adding it onto your policy as extra coverage.

An MBI policy from one insurance company isn’t the same across the board. They vary by insurers in what they cover, so read the fine print or ask an insurance agent about what exactly the policy covers.

Typically, MBI covers the following parts:

• Engine parts
• Drivetrain
• Exhaust
• Transmission
• Electrical components
• Brakes

Some MBI policies also cover:

• Air conditioning
• Steering
• Fuel system