Mechanical Breakdown Insurance: Coverage for Car Repairs

Report your Mechanical Breakdown Insurance claim.

Call (800) 443-7411
to start your Mechanical Breakdown Insurance claim.

What is Mechanical Breakdown Insurance?

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 a better deal than your typical car warranty.

How does Mechanical Breakdown Insurance work?

Mechanical breakdown or car repair insurance is available for new or leased cars that are less than 15 months old and with less than 15,000 miles.

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 all mechanical parts of the car (except for maintenance and wear and tear*)are covered. Interested? Call us at (800) 861-8380 to learn more.

Mechanical Breakdown Insurance VS. Extended Warranty: It's No Contest

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 at a cheaper price than the typical dealer extended warranty. GEICO's MBI coverage:

  • Includes all parts and systems not just the specific list of items covered by most dealer warranties.
  • Saves you money, charging only a small premium per each policy period, instead of a large lump-sum payment up front.
  • Lets you get your car repaired wherever you like.

Our customers say it best.

  • "One does not have to pay as much "out-of-pocket" for major repairs. I also appreciate that one of GEICO's experts talks to the mechanic to determine that the repair is actually needed and that the repair is made correctly." Vernon – Bartlett, TN
  • "I am still covered even after my factory warranty has expired." Wendy – Louisville, KY
  • "Peace of mind. Cheaper than after market warranty from the factory." Sidney – Alpharetta, GA

Frequently Asked Questions About Mechanical Breakdown Insurance

  • Is it difficult to submit an MBI claim?

    No. Just call toll free at (800) 443-7411 during the below hours for the MBI claims department.

    Phone Hours

    Monday – Friday7:30 am – 9:00 pm (ET)
    Saturday – SundayClosed

    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.

  • Can I take my car to a repair shop of my choice?

    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!

  • What happens if I break down while traveling?

    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.

  • How do I pay for MBI?

    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.

  • How can I learn more about GEICO's MBI coverage?

    Call us at (800) 861-8380. Our insurance representatives are ready to answer your questions and to give you a quote.

  • Does Mechanical Breakdown Insurance cover parts and labor?

    Yes, MBI covers fair and reasonable charges for parts and labor.

*MBI Exclusions

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, corrosion, misuse, or improper maintenance are not covered. Mechanical Breakdown Insurance coverage is in excess of coverage provided by your manufacturer's warranty. Read the policy amendment for the complete terms and conditions of this coverage.

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions, or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.