For regular repairs and maintenance on the vehicle you may want to consider mechanical breakdown insurance also called MBI.

Does insurance cover mechanical repairs. Normally excluded from policies this affordable wear and tear add-on coverage pays to repair or replace the lower unit of an outboard motor or the upper and lower units of a stern drive motor in the event of a mechanical breakdown. But mechanical breakdown insurance wont cover repairs or damage related to a car accident. Call us at 800 861-8380 to learn more.

Mechanical breakdown insurance or MBI is a car insurance policy that covers the cost of repairs to certain vehicle parts after they break down as the result of normal use. Generally the coverage included in home maintenance insurance is excluded in a standard homeowners insurance policy. However repairs for routine mechanical breakdowns as well as normal wear and tear are usually not covered in an insurance policy.

A typical car insurance policy only covers repairs to your vehicle if theyre related to some kind of accident. After a 250 deductible on a covered loss car repairs to all mechanical parts of the car except for maintenance and wear and tearare covered. That means that the cost of a rental car will not be covered if yours is in the shop for.

Although extended warranties are similar to car repair insurance they differ in mileage limits. Insurance companies do offer a type of coverage that policy holders can use for repairs. Mechanical Breakdown Coverage for lower units and drives.

This is a plan that can help assist financially with sudden and unexpected repairs. Car insurance doesnt cover the cost of regular repairs or maintenance. Review your policy to see which coverages you have and talk to your agent if you have any questions.

Car Insurance Coverage for Non-Accident Repairs. If your car has a mechanical breakdown like a blown gasket or an electrical system on the fritz your car insurance policy wont cover the cost of repairs. If you have auto insurance specifically collision and comprehensive coverage it pays for repairs for your damaged car as a result of a car accident or a natural disaster.