Compare Mechanical Breakdown Insurance

MBI can be valuable if you own a used car, especially if it has higher mileage or is out of manufacturer warranty. Repairs such as transmission issues, ECU failures or engine faults can cost thousands of dollars, and MBI may help reduce the financial impact. Whether it is right for you depends on your vehicle, budget and policy choice.

The cost of MBI usually depends on factors such as the make and model of your vehicle, age and mileage, length of cover, excess level and vehicle type, such as petrol, diesel, hybrid or electric. It is also worth considering potential repair costs, as major mechanical or electrical repairs can be expensive.

MBI typically does not cover accidental damage, fire, theft, general wear and tear, routine maintenance, cosmetic damage, pre-existing faults, unapproved modifications or aftermarket parts, negligence or misuse, and vehicles used for hire, reward, rideshare, courier or delivery services. Coverage can vary, so always check the policy wording.

Yes. MBI is commonly used for used cars because older vehicles or vehicles outside factory warranty may be more likely to experience unexpected mechanical or electrical failures. Eligibility depends on vehicle age, mileage, make, model and underwriting criteria.

Usually, yes. You need to maintain and service your vehicle as required by the policy and keep service records and receipts. Failure to meet servicing requirements may result in claims being declined. Check the policy wording for specific service intervals and requirements.

Usually not. Comprehensive car insurance generally covers accidental damage, theft, fire, natural disasters and third-party property damage, but it usually excludes mechanical breakdowns such as engine, transmission or electrical failures.