Should i buy mechanical breakdown insurance

Any information that you provide directly to them is subject to the privacy policy posted on their website. You deserve comprehensive coverage at an affordable rate. MBI offers a broader coverage solution than a manufacturer's extended warranty. Log in to your account now to add! Remember me i. Forgot your password? Sign up for online access. Call to start your Mechanical Breakdown Insurance claim. Now you're covered for accidents, theft, fire, and other mishaps.

But what do you do about those car repair problems that always seem to pop up right after your new car warranty runs out? Your new car is your baby, so it deserves a little extra protection. MBI is available for new or leased cars that are less than 15 months old and with less than 15, miles. Once you've purchased MBI, you can renew it for up to seven years or , miles whichever comes first. Call us at to learn more.

Why not just get an extended warranty, you wonder? You could—if you want to pay more for less protection. Just call toll free at during the below hours for the MBI claims department. See policy for details. Yes, you may use the licensed repair shop of your choice, unless the repair is covered by a recall, voluntary repair program or the manufacturer's warranty.

In those cases you would need to take your vehicle back to a dealer who services the specific make and model. Dealer extended service contracts usually encourage you to have repairs made at the dealership where the vehicle was purchased. This could force you to return to a repair shop you don't care to use. This could be especially important if you travel or move—MBI travels with you! If you ever have a breakdown, accident, or need assistance in any of the 50 states or the District of Columbia, you're covered.

We are only a phone call away, 24 hours a day. Comprehensive auto coverage does not include mechanical breakdowns as one might think. Mechanical breakdown insurance MBI covers repairs that are mechanical in nature. These breakdowns must be unrelated to auto accident damage.

This means that there is an issue with or damage to the mechanical parts of the car, or they have completely broken. Mechanical issues can include things such as:. When using this type of insurance, there are limitations to what it covers. Mechanical breakdown insurance may not extend to damage that includes corrosion, damage from poor maintenance or incorrectly maintaining your car.

Additionally, purposely damaging the vehicle, and normal everyday wear and tear are also not covered under mechanical breakdown insurance. Lastly, if your vehicle sustains mechanical damage from being used in any other way than its proper intention, then the insurance will not cover the damage. Routine maintenance including tune-ups or tire changes and fixes are not a part of this insurance package or any others either. Depending on who you buy insurance through, it may also cover towing and car rentals.

In most cases, mechanical breakdown insurance has to be bought when the car has less than a certain amount of miles but also before a certain time period has passed. This varies by company and policy. Additionally, you can still get mechanical breakdown insurance even if you are leasing a car.

Typically, it is only offered on new and leased cars due to the parameters for MBI. Car repair insurance and car warranties do not cover damage from car accidents. Adding collision and comprehensive insurance to your auto insurance policy will cover damage from problems such as car accidents, vandalism, fire, flood, hail, falling objects and collisions with animals.

Comprehensive coverage also covers car theft. If someone else is responsible for a car accident, you can make a claim against their liability insurance, sue them or use your own collision insurance. The collision and comprehensive portion of your car insurance policy covers problems like car accidents and damage from problems like theft, vandalism, fire, flood, hail, falling objects, and collisions with animals.

Jason Metz is a writer who has worked in the insurance industry since He has a B. Select Region. United States. United Kingdom. Jason Metz. Editorial Note: Forbes Advisor may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations. Item Covered by car repair insurance? Was this article helpful?

Share your feedback. Send feedback to the editorial team. Rate this Article. Thank You for your feedback! Something went wrong. Geico customers can save on an MBI policy by bundling with existing insurance products. A Geico MBI policy can be purchased for new or leased cars that are less than 15 months old and have fewer than 15, miles on the odometer.

To find out more about Geico and to get quotes from insurers in your area, check out our full Geico review. The chart below compares two of the best extended protection providers in the industry. Endurance sells vehicle service contracts that pay to repair or replace certain vehicle parts should they break down over the course of normal use.

Endurance is one of our top-rated extended auto warranty providers because it offers such comprehensive coverage options.

Customers can choose from six plan options:. Read our Endurance warranty review for more information, or reach out for a free quote below. We rate CARCHEX highly for customer service because of its shining reputation and its wide range of customer support channels, including hour live chats, telephone support, and email support.

Being able to contact your contract administrator to handle claims quickly is important for any car repair insurance , and CARCHEX makes sure that customers can have claims approved as soon as possible. In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of extended auto warranty companies to formulate rankings of the best providers.

Companies receive a score in each of the following categories, as well as an overall weighted score out of 5. Sep 10, at pm ET. By : motor1.