Simply stated, mechanical breakdowns are no fun. But, you can guard against those surprise auto repair bills with Mechanical Breakdown Insurance coverage (or MBI for short). MBI helps protect you from expensive auto repair bills when your vehicle experiences a mechanical failure. MBI covers* cost for repairs to the components of your car like the:
Want to know more? Take a moment to review these frequently-asked questions:
GEICO MBI provides much broader coverage than a dealer's extended warranty because all mechanical parts of the vehicle are covered*. When you add MBI to your policy, you only pay a small premium each policy period rather than hundreds of additional dollars at the time you purchase your vehicle.
No. Just call toll free at 1-800-443-7411 for the MBI claims department or go to our policyholder service center on geico.com to report an MBI claim online.
IMPORTANT NOTE: In most states, for coverage to be applicable, you must obtain authorization prior to any repair work being done. See policy for details.
Yes, you may use the licensed repair shop of your choice, unless the repair is covered by a recall, voluntary repair program or the manufacturer's warranty. In those cases you would need to take your vehicle back to a dealer who services the specific make and model.
Dealer extended service contracts usually encourage you to have repairs made at the dealership where the vehicle was purchased. This could force you to return to a repair shop you don't care to use. GEICO MBI allows you to use any licensed repair shop. This could be especially important if you travel or move — MBI travels with you!
If you ever have a breakdown, accident, or need assistance in any of the 50 states or the District of Columbia, you're covered. We are only a phone call away, 24 hours a day.
You can add MBI to your policy as soon as possible after the car is purchased. GEICO MBI can only be added if the vehicle is:
Because MBI is part of your auto insurance policy, you may renew the coverage, up to 100,000 miles or seven (7) years, whichever comes first.**
You pay for MBI as a coverage on your auto policy. There are no separate payments to make. We offer you the choice of several plans for paying your auto insurance premium. You may pay in full or select an installment plan - whatever fits your budget.
Dealers usually add the cost of their extended service contracts to the amount you pay for your new car up front or they add it into the amount you finance.
Call us at 1-800-861-8380! An insurance representative is available 24 hours a day, 7 days a week to answer your questions and to give you a quote.
This material is intended for general information only. It does not expand coverage beyond the policy contract. Please refer to your policy contract for any specific information or questions on applicability of coverage.
*Exclusions to this policy include regular maintenance services such as tune-ups, suspension alignment, wheel balancing, filters, lubrication, coolant and fluids, spark plugs, brake pads and linings, brake shoes and tires. Also, breakdown repairs made necessary by intentional damage, rust and oxidation, misuse, or lack of proper maintenance are excluded. Losses to the extent covered by warranty, recall or voluntary repair programs are not covered.
**These limits may vary in some states.
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