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Posted on May 19, 2025 by Hoang Nguyen

Mechanical breakdown coverage is a specialized type of protection that helps cover the cost of unexpected repairs to your vehicle’s most critical components. Unlike standard auto insurance or manufacturer warranties, this coverage steps in when essential systems break down due to mechanical failure—not accidents or routine wear and tear. 

Understanding what mechanical breakdown coverage actually includes can help you make a smarter decision about protecting your vehicle for the long haul. In this article, we’ll explore the scope of this coverage, highlight what’s typically included, and outline some key considerations before purchasing.

Defining Mechanical Breakdown Coverage (MBC)

Explanation of MBC

Mechanical breakdown coverage, often abbreviated as MBC, functions like car repair insurance, paying for repairs to major parts when they fail unexpectedly. It’s designed to kick in after the manufacturer’s warranty expires and when the damage isn’t caused by a collision or lack of maintenance. Unlike basic maintenance plans, MBC does not cover things like oil changes or tire replacements.

Purpose of MBC

The goal of MBC is simple: to provide financial protection from high repair costs once your original warranty has ended. This type of policy offers peace of mind by covering large, unexpected expenses that would otherwise come out of pocket.

How MBC Differs from Other Coverages

• Not the same as collision or comprehensive insurance – Those policies cover accidents, theft, and natural disasters.

• Doesn’t cover wear and tear – Items like brake pads, tires, and spark plugs are generally excluded from MBC plans.

Key Components Typically Covered by MBC

Mechanical breakdown coverage generally includes protection for your vehicle’s most expensive and essential systems. Here’s a breakdown of what’s often covered:

• Engine: Covers internal lubricated parts, pistons, crankshaft, cylinder block, and heads — the heart of your car.

• Transmission (Automatic and Manual): Includes gears, shafts, torque converter, valve body, and the transmission case.

• Drive Axle: Coverage typically includes the differential, axle shafts, and wheel bearings, which transfer power from the engine to the wheels.

• Steering System: Covers power steering pumps, steering gear housing, and critical linkages.

• Suspension System: May include control arms, struts, springs, and shocks — though some parts may be partially covered.

• Brakes: Includes the master cylinder, power brake booster, calipers, and wheel cylinders, but not consumables like pads or rotors.

• Electrical System: Offers protection for items like the alternator, starter motor, wiring harness, and some electronic control modules (with certain exclusions).

• Air Conditioning and Heating: Often covers major components such as the compressor, condenser, and evaporator, though some limitations may apply. 

Important Considerations and Variations

Policy Limits and Deductibles

Every mechanical breakdown coverage plan has limits—the maximum amount the provider will pay for repairs. You’ll also likely have a deductible, which is your out-of-pocket expense before the plan kicks in. Be sure to compare deductible options when shopping around.

Waiting Periods

Many MBC plans include a waiting period—often 30 days or a few hundred miles—before coverage starts. This helps prevent claims on pre-existing issues and is something to factor into your decision.

Covered vs. Non-Covered Items (Brief Mention)

While this article focuses on what’s typically covered, it’s important to note that wear and tear, cosmetic damage, and pre-existing conditions are generally excluded. We’ll explore non-covered items in more detail in another blog.

Variations Between Providers and Plans

MBC is not one-size-fits-all. Coverage specifics can vary widely between providers, so always read the fine print. Some plans offer more generous coverage or fewer exclusions, while others are more basic but cost less.

What to Know Before You Buy This Coverage

Adding mechanical breakdown coverage can be a smart investment, especially for those with newer vehicles nearing the end of their factory warranty. It’s also a valuable addition for drivers who want predictable costs and peace of mind over possible mechanical failures.

If you’re already shopping for Affordable Auto Insurance in Chicago, consider bundling MBC with your existing policy. Many insurers offer discounted rates when multiple coverages are combined.

Before signing up, ask your provider:

• What’s the maximum coverage limit?

• Are diagnostics covered?

• Can I choose my repair shop?

• What are the claim procedures?

Taking time to review and compare options will ensure you get the most value from your plan.

Choosing the Right Protection for Your Vehicle

Mechanical breakdown coverage is more than just an optional add-on—it’s a safeguard against the unexpected costs that come with owning a vehicle long-term. From your engine to your electrical system, the right MBC plan can shield you from major financial stress.

By understanding what this type of car repair insurance entails and how it differs from other policies, you can make a more informed choice. Whether you’re nearing the end of your vehicle’s warranty or just planning ahead, it’s worth looking into.

Don’t let unexpected repairs drain your wallet—Pornto Insurance in Chicago has you covered with dependable mechanical breakdown coverage. Get started today or explore your options.