Top 10 Mechanical Breakdown Insurance

Mechanical Breakdown Insurance (MBI) is a type of vehicle protection plan that covers repairs and replacements for major mechanical components of your car. Unlike standard auto insurance, which typically covers accidents and external damage, MBI focuses on the internal workings of your vehicle, such as the engine, transmission, and electrical systems.

MBI can be particularly beneficial for owners of older cars or those that are out of the manufacturer's warranty. Policies vary, but they generally offer coverage for a wide range of parts and systems, often including options for roadside assistance and rental car reimbursement. This type of insurance can provide peace of mind by mitigating the financial burden associated with unexpected mechanical failures. However, it's essential to carefully review the terms and conditions of the policy, as there may be exclusions and limitations. Additionally, regular maintenance may be required to keep the coverage valid, and pre-existing conditions are typically not covered. By understanding the specifics of an MBI policy, you can make an informed decision about whether it suits your needs and budget.