Breaking down – in the city, in the countryside, on the highway, etc. – is every driver’s nightmare. In addition to the inconvenience of finding yourself stranded without a vehicle, the financial cost of such an auto accident can quickly reach high and unpredictable amounts. Whether you’ve purchased a new or recent vehicle, or a second-hand or third-party car, mechanical breakdown cover is an extremely useful option that you can take out as part of your car insurance policy. However, the details of this cover can be quite complex to understand: here’s everything you need to know in detail to help you make your choice and protect your vehicle with complete peace of mind!

Mechanical breakdown cover, a reassuring option for your car

The electrical breakdown warranty allows your insurance to cover the cost of repairing your vehicle following a breakdown. It covers both parts and labor.

Once the vehicle has been towed, a repair estimate will be prepared with your insurer. Your car will then often be repaired at an approved, partner garage, but you can choose the repairer you prefer.

Why take out mechanical breakdown cover?

For a new car, the mechanical breakdown warranty can serve as a continuation of the manufacturer’s warranty (and the extended warranty if you have one), once it has expired. However, new vehicle breakdowns very often occur beyond this warranty period! This option is therefore particularly interesting if you have purchased a valuable vehicle for which you wish to extend its protection.

For used vehicles, mechanical breakdown cover can also be very useful, to avoid any unpleasant surprises after the purchase. Older vehicles or those with high mileage are more prone to breakdowns than new vehicles! Furthermore, if you want to resell the vehicle later, having taken out such cover will increase its value but also reassure the potential buyer, who will have the certainty that it has been maintained in good conditions.

Reminder

The manufacturer’s warranty is a legal obligation for the manufacturer, which obliges them to cover any repairs related to a defective part, whether mechanical, electrical, or electronic. It is free for the customer and valid for between 1 and 2 years (or sometimes up to a certain mileage).

A paid and optional option

Third-party insurance  : this is compulsory and covers your civil liability in the event of an accident , i.e.

Third-party insurance “plus” or intermediate  : this often includes basic damage cover (fire and theft, glass breakage, natural disaster, possibly collision), personal cover for the driver (in the event of bodily injury that you may suffer) or even legal protection in the event of a dispute (lawyer’s fees, legal costs, etc.);

Comprehensive insurance  : These are the most comprehensive insurance plans, often including mechanical breakdown cover. A wide range of other options are also available, ranging from comprehensive damage cover to vehicle contents coverage and compensation for damages in the event of destruction or theft.