Do you own a vehicle and want to ensure you have protection in case of mechanical breakdowns? Mechanical breakdown coverage in your car insurance policy could be the solution for you. We’ll tell you everything you need to know about this coverage, from its definition and cost to the breakdowns it covers and those it doesn’t.
What is mechanical breakdown coverage in car insurance?Mechanical breakdown coverage is an option offered by insurers to cover repair costs in case of mechanical breakdowns in your vehicle. It differs from the manufacturer’s warranty, which only covers defective parts supplied by the manufacturer. However, mechanical breakdown coverage can cover mechanical and electronic parts of your vehicle, even if they are not original. (See our article on this topic “OEM and OE Auto Parts: What’s the Difference?”)
What’s the difference between a mechanical breakdown warranty and the manufacturer’s warranty?
The manufacturer’s warranty is included with the purchase of a new vehicle and covers only defective original parts supplied by the manufacturer. A mechanical breakdown warranty, on the other hand, is an optional extra that you can purchase from your insurer and can cover a wider range of parts.
What does a mechanical breakdown warranty cover?
This warranty can cover various types of mechanical and electronic breakdowns in your vehicle. It can include the transmission, engine, braking system, suspension, air conditioning, electrical system, etc. However, we recommend that you carefully read the terms and conditions of your policy to know exactly what is covered and compare insurance policies on the market.
What is not covered by a mechanical breakdown warranty?
This warranty may have exclusions, such as breakdowns caused by normal wear and tear, accidents, unauthorized use, repairs not performed by a professional, etc. It is therefore important to fully understand the exclusions of your contract before signing up.
Mechanical breakdown warranty: how much does it cost?
The cost of mechanical breakdown warranty coverage depends on several factors, such as the age and mileage of your vehicle, the duration of the warranty, the options you choose, etc. The cost can vary from a few hundred euros to several thousand euros. It is therefore important to compare different insurers to find the best offer.
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| Comparative table of mechanical breakdown warranty rates offered by several insurers in France: | Insurer | Annual price | Deductible | Warranty duration |
|---|---|---|---|---|
| Maximum mileage covered | AXA | From €200 | €0 | 1 year |
| Unlimited | Allianz | From €220 | €50 | 2 years |
| 120,000 km | MAIF | From €250 | €0 | 3 years |
| 100,000 km | MMA | From €230 | €75 | 1 year |
| 150,000 km | Groupama | From €200 | €0 | 2 years |
150,000 km Please note that these rates are indicative only
and may vary depending on the age and mileage of the vehicle, its warranty duration, and the options you choose Choose, etc. It is therefore recommended to request personalized quotes from insurers or comparison websites to get a more accurate cost estimate.
Is mechanical breakdown coverage mandatory?
What are the advantages of purchasing mechanical breakdown coverage?
How does mechanical breakdown insurance work?
How do I choose the best mechanical breakdown insurance for my vehicle?
What is the average price of mechanical breakdown insurance?
Yes, mechanical breakdown coverage is also available for motorcycles. As with cars, motorcycle insurance
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