Protect Your Car With Mechanical Breakdown Insurance (MBI). You deserve effective coverage at an affordable rate. MBI offers a broader coverage solution than a manufacturer's extended warranty. Log in to your account now to add!
Mechanical breakdown or car repair insurance is a way of adding an extra layer of protection to your auto insurance policy. Similar to a car warranty, this type of insurance covers costs from repairs if your vehicle breaks down, needs replacement parts, or suffers other types of mechanical problems. Having a mechanical breakdown insurance policy could mean you pay less out-of-pocket for unexpected car repairs.
Mechanical Breakdown Insurance from GEICO also means you get the great service and insurance specialist that you already know and trust, on top of affordable coverage. These extra benefits could make mechanical breakdown insurance an extension of your car warranty.
Mechanical breakdown or car repair insurance is available for new or leased cars that meet specific criteria:
Once you've purchased MBI, you can renew it for up to seven years or 100,000 miles (whichever comes first). After a $250 deductible on a covered loss, car repairs to most original mechanical parts of the car (except for maintenance and wear and tear*) are covered. Please note that MBI only covers repairs that are not covered by the manufacturer's warrenty. Interested? Call us at (800) 861-8380 to learn more.
Mechanical breakdown insurance offers coverage for breakdown-related auto repairs when your manufacturer's warranty expires or fails to cover mechanical failures. After paying your deductible, the mechanical breakdown insurance will directly cover the remaining cost of your covered repairs with your service provider. This insurance is available for various vehicles, including cars, trucks, and SUVs.
Mechanical breakdown insurance generally doesn’t provide coverage for the following:
You can add Emergency Roadside Service to your GEICO policy for additional peace of mind.
Mechanical Breakdown Insurance (MBI) can be a smart investment—especially if you’re looking for added peace of mind beyond your standard auto insurance policy. While traditional car insurance helps cover damage from accidents, theft, and weather-related events, it won’t pay for repairs due to mechanical failure. That’s where MBI comes in.
If your vehicle is newer and in good condition, MBI can help protect you from unexpected repair costs on major systems like your engine, transmission, air conditioning, and more. Repairs for these parts can be costly, and having coverage means you could avoid paying entirely out of pocket if something breaks down after your manufacturer’s warranty expires.
MBI is generally more affordable than extended warranties offered by dealerships and offers broader coverage. Plus, it comes with the flexibility of canceling at any time and the confidence of working with GEICO’s trusted claims process.
Why not just get an extended warranty, you wonder? You could—if you want to pay more for less protection. GEICO's Mechanical Breakdown Insurance (MBI) provides better coverage, then the typical dealer extended warrenty, at an affordable price. GEICO's MBI coverage:
Mechanical breakdown insurance often covers more than a vehicle’s extended warranty. An extended warranty typically only covers repairs that occur when there are defective materials or improper manufacturing, while this coverage includes mechanical issues more broadly. Additionally – extended warranties only last for so long. With GEICO’s Mechanical Breakdown Insurance, you can maintain coverage for 7 years or 100K miles. Extended warranties also have a high up-front cost, while MBI allows for you to pay as you go.
Ready to protect your vehicle from costly, unexpected repairs? We're here to help. Contact us for a personalized MBI quote through our app or online. You can also chat with a GEICO specialist for immediate help and learn how MBI can provide the peace of mind you deserve.