What does mechanical repair insurance cover?

What does mechanical repair insurance cover? Mechanical repair insurance provides coverage for unexpected mechanical breakdowns of vehicles, helping to cover the cost of repairs and replacement parts.

What does mechanical repair insurance cover?

What does mechanical repair insurance cover?

Mechanical repair insurance typically covers the cost of repairs or replacements for major vehicle components or systems that fail or break down due to internal or mechanical reasons. The specific coverage may vary depending on the insurance provider and policy, but generally, it includes:

  • Engine: Coverage for repair or replacement of the engine components such as the pistons, valves, crankshaft, camshaft, and other vital parts.
  • Transmission: Protection for the transmission system, including the gears, clutch, torque converter, and other related components.
  • Electrical system: Coverage for repairs or replacements of electrical components like alternators, starters, power windows, and other electrical systems.
  • Steering: Protection for the steering components, such as the steering column, power steering pump, and steering gear.
  • Suspension: Coverage for the suspension system, including springs, shocks, struts, and other related parts.
  • Brakes: Protection for the braking system, encompassing the master cylinder, brake lines, calipers, rotors, and brake pads.
  • Air conditioning: Coverage for repair or replacement of the air conditioning system, including compressor, condenser, evaporator, and other related components.
  • Fuel system: Protection for the fuel system, including the fuel pump, injectors, fuel tank, and fuel lines.
  • Cooling system: Coverage for the cooling system components, such as the radiator, water pump, thermostat, and fan.

Additional coverage:

In addition to the above-mentioned components, some mechanical repair insurance policies may also include coverage for other essential parts like the exhaust system, turbocharger or supercharger, drive axle, differential, and even some advanced technology components like navigation systems or hybrid vehicle components.

Exclusions and limitations:

It is important to note that mechanical repair insurance policies have certain exclusions and limitations. These usually include pre-existing conditions, normal wear and tear, routine maintenance tasks, cosmetic repairs, damages caused by accidents, and intentional damage.

Benefits of mechanical repair insurance:

Now that we have covered what mechanical repair insurance typically includes, it's time to explore the benefits it offers to vehicle owners. The key advantages of this insurance coverage are:

  • Financial protection: Mechanical repair insurance provides financial protection against unexpected and potentially costly repairs. It can help reduce or eliminate out-of-pocket expenses when major vehicle components fail.
  • Peace of mind: Having mechanical repair insurance ensures peace of mind for vehicle owners, knowing that they are covered against unexpected breakdowns and costly repairs.
  • Increased vehicle value: Vehicles with reliable mechanical repair insurance coverage tend to have a higher resale value. This coverage provides potential buyers with the confidence of owning a well-maintained and protected vehicle.
  • Convenience: With mechanical repair insurance, vehicle owners can enjoy a hassle-free claims process, as most insurance companies have established networks of authorized repair facilities.


Mechanical repair insurance is a valuable investment for vehicle owners, offering coverage for major mechanical failures or breakdowns. It ensures financial protection, peace of mind, increased vehicle value, and convenience. It is crucial to carefully review the coverage details, exclusions, and limitations before purchasing a policy to ensure it meets the specific needs and requirements of the vehicle.

Frequently Asked Questions

What does mechanical repair insurance cover?

Mechanical repair insurance, also known as extended warranty or mechanical breakdown insurance, provides coverage for repairs and replacements of mechanical components of a vehicle that are not covered under the manufacturer's warranty.

Does mechanical repair insurance cover all types of vehicles?

Yes, mechanical repair insurance can cover a wide range of vehicles including cars, trucks, motorcycles, and recreational vehicles. However, the coverage options and limits may vary depending on the type of vehicle.

What types of repairs are typically covered by mechanical repair insurance?

Mechanical repair insurance typically covers repairs or replacements of major components such as the engine, transmission, drivetrain, suspension, electrical systems, and cooling systems. It may also cover components like the turbocharger, fuel injection system, and power steering system.

Are there any limitations to mechanical repair insurance coverage?

Yes, mechanical repair insurance may come with certain limitations. Some policies may have a maximum coverage limit per repair or per claim. Additionally, there may be restrictions on coverage for pre-existing conditions or wear and tear. It is important to carefully review the terms and conditions of the policy to understand any limitations.

Can I choose where to get my vehicle repaired with mechanical repair insurance?

Many mechanical repair insurance policies allow you to choose where you want to get your vehicle repaired. However, some policies may have a network of approved repair facilities where you can receive discounted services. It is important to check the policy details to understand the options available to you.