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Common Questions About Car Mechanical Insurance


Common Questions About Car Mechanical Insurance

Car mechanical insurance is becoming increasingly common. It’s a form of car insurance that pays to get your car back on the road after a mechanical failure. But it can be confusing, especially if you don’t know much about cars or how they work. To help answer any questions you might have, we’ve compiled some of the most common questions about automotive mechanical breakdown insurance below:

Who needs it?

Anyone who owns a car, leases a car or rents a car should consider buying mechanical breakdown insurance.

If you’re borrowing someone else’s car and their insurance doesn’t cover the cost of repairs if you have an accident while driving it – then you need to buy your own mechanical breakdown cover.

It’s also worth checking whether your car insurance policy includes mechanical breakdown cover as standard. If it does, then there’s no need to buy additional cover.

What does it cover?

Mechanical breakdown insurance covers repairs to your car and other people’s cars in the event of a mechanical failure. In some cases, it also covers damage caused by the car itself–for example, if your wheel hits someone else’s property or damages their car when it comes off. It can also pay out compensation for loss of use while the vehicle is being repaired.

Car mechanical insurance

Mechanical breakdown insurance will not cover damage caused by an accident (unless there was mechanical failure prior to the accident), so if you slam into another vehicle at speed, this won’t be covered by mechanical breakdown cover either.

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Criteria for filing a claim

When you file a claim, the insurance company will want to know that it is valid. The best way to prove this is by providing all the necessary documents and information. If there are any errors in your submission, it could cause delays in processing your claim.

You should also make sure that none of these situations apply:

  • You have not given enough time for the insurance company to process your claim before filing another one or making further demands on them (usually 6 weeks).
  • You made several requests for information from us within a short period of time without giving us sufficient time between each request (usually 24 hours).

Car mechanical insurance is important

Car mechanical insurance is important for two reasons:

  • It covers you in the case of an accident. If your car breaks down and you have to get it towed, or if you need a new alternator or transmission, car mechanical insurance will cover these expenses. This can save you thousands of dollars in repairs and tow fees that could otherwise put a serious dent in your wallet.
  • It helps prevent accidents from happening in the first place! Many people don’t realize this but there’s actually quite a bit more going on under the hood than meets the eye (and ear). A faulty part could cause unintended acceleration or even stall out while driving down the highway–both situations which could lead to serious injury if not addressed immediately by professionals who know what they’re doing with cars like yours!


We hope this article has answered some of your questions about car mechanical insurance. If you have any other questions, please leave them in the comments section below!

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