Mechanical breakdown insurance is an optional extra that can be added to your car insurance cover mechanical failure policy. It covers the cost of repairing your car if it breaks down due to a mechanical fault or defect. Mechanical breakdown insurance can be useful if you're worried about being stuck with a huge repair bill after your vehicle develops a fault.
What to consider when choosing your breakdown cover?
When considering your breakdown cover, there are a number of considerations to take into account. The first is how much cover you need. Do you want a policy that covers all eventualities or do you only require basic breakdown assistance?
Think about the type and size of your vehicle too. If it’s bigger than average, then it may be worth investing in higher levels of protection if possible, as these can include additional benefits like loan cars and return home travel costs.
Finally, think about what budget might be appropriate for this type of insurance and whether there is any flexibility within that amount to choose between different providers in order to get the best deal for what’s important for your situation.
Is mechanical breakdown insurance the same as an extended warranty?
Mechanical breakdown insurance is not the same as an extended warranty. Mechanical breakdown insurance pays you to have your car repaired if it breaks down, while an extended warranty covers the cost of repairs.
Mechanical breakdown cover is usually cheaper than an extended warranty because it only pays you out when something goes wrong with your car and not every time you take it in for servicing or repairs.
This means that if your car breaks down and needs repair, then mechanical breakdown insurance will pay a lump sum to cover the cost of getting it fixed up rather than paying for each repair individually. Most people choose this kind of insurance so they don't get caught out by unexpected costs when their cars break down unexpectedly or are damaged by things like theft and vandalism.
A guide to car insurance repair coverage
Mechanical breakdown insurance, also known as mechanical failure coverage, is the additional protection you can buy to cover damage caused by your car's engine. What does it cover?
You can expect to get compensated for the cost of repairs for covered damage if your car breaks down and needs an initial repair—not a replacement—to get back on the road. While this type of insurance typically covers more than just engine-related issues (such as alternators and transmissions), most policies will be geared more toward fixing engines than anything else.
How does it work? When you purchase your policy, make sure to ask about deductibles: how much will I need to pay out-of-pocket before my claim is covered? Some policies may require a deductible up front while others might allow reimbursement after the fact based on certain guidelines set forth in their contracts with customers or through third parties (such as AAA). If you're unsure about where exactly something falls under those categories, ask.
You can also compare quotes from different providers through sites like Google Shopping or Bing Ads—they'll give prices side by side so that all options are laid out equally instead of having one company try harder than another with sales pitches alone.
Conclusion
It’s important to know how mechanical breakdown insurance works and how it differs from an extended warranty. The main difference is that you can’t claim on your policy if the car has been damaged due to neglect or abuse.
Car insurance covers mechanical failure and also covers only mechanical parts of your vehicle while an extended warranty covers everything except tires, brakes, and batteries.
