Mechanical breakdown insurance (MBI) is a type of insurance that covers the cost of repairs and replacements to mechanical components of a vehicle. MBI covers any vehicle component that fails due to a mechanical or electrical breakdown, such as a worn part or faulty component. This type of insurance differs from traditional auto insurance, which typically covers damages caused by an accident or collision and is only required in the state of California. MBI can help pay for parts and labor costs associated with repairing or replacing a vehicle component if it breaks down due to a mechanical or electrical issue.

MBI may also cover towing and rental car expenses that may be associated with the breakdown. Depending on the policy, rental car coverage may be limited to a certain amount of time or a specific amount. It may also cover costs associated with a trip interruption if the vehicle breaks down while away from home.

MBI coverage can be offered as an add-on to existing auto insurance policies, so reviewing the policy details is important to determine the extent of coverage provided. Sometimes, MBI may be a stand-alone policy or part of a comprehensive auto policy. It may also be offered as an extended warranty or auto protection plan for newer vehicles.

No matter the type of coverage, MBI can provide peace of mind and financial protection for car owners in the event of a mechanical breakdown.