After an accident, you need to get your vehicles back in shape. But now, you have to replace some parts and the repair costs are heavy. Fortunately, you have subscribed to the mechanical breakdown guarantee in your car insurance. This close is not yet well known by motorists, but it promises, however, more security. What is it actually used for and what parts and faults does it cover?
What is the mechanical breakdown guarantee?
The mechanical breakdown guarantee is an option that you will find on most auto insurance contracts on the market. This option, being paid, is optional. As it is therefore not included in the basic formulas, motorists do not hear about it very often. However, if the vehicle is not covered by a manufacturer’s warranty, this option will be most beneficial. Be careful all the same, it is important to specify that this guarantee is not an assistance contract and even less a maintenance contract.
What does this insurance option cover?
Thanks to this option in your car insurance contract, you can take advantage of coverage on certain spare parts and even repair labour. The condition is that the breakdown of your vehicle is due to the unforeseeable and not to normal wear and tear. Moreover, all this must be regulated in the contract. So, in most cases, here are the supported failures:
- Engine failure
- Electrical or electronic failure
- Injection or exhaust problems
As for the spare parts covered, most insurers limit themselves to basic parts:
- Engine
- Gearbox
- Bridge
- Etc.
On the other hand, the spare parts of wear will never be supported in this guarantee: the brakes, the clutch…, suddenly you can buy Spare Parts yourself for more information visit autoparts24.com.
Subscribe to a mechanical breakdown guarantee: when?
You can subscribe to a mechanical breakdown guarantee at any time. Although it is preferable to subscribe to it before the end of the manufacturer’s warranty. Indeed, this guarantee is not valid immediately. A car insurance waiting period is provided for in the contract. Thus, you may have to wait between 6 months or even a few years for it to take effect in the event of a claim. In practice, what does this mean? If your manufacturer’s warranty lasts 2 years and the waiting time for the mechanical breakdown warranty is 12 months, subscribe a year in advance so that the handover takes place under the best conditions.
Insurance and technical failure: how it works
As soon as a mechanical breakdown is to be deplored, contact your insurer immediately. In this way, you can immediately benefit from the advantages of this technical breakdown guarantee: breakdown assistance if you are less than 50 km from your home, replacement vehicle for a fixed period, replacement of spare parts, contact with approved garages. For your information, a maximum compensation limit is specified in the contract.
