How does the mechanical breakdown guarantee work in auto insurance?
Whether your vehicle is already old or has just 10,000 kilometers, unfortunately you are not immune to breakdown. And the bill can turn out to be steep, given the cost of parts and labor involved for certain technical issues. Fortunately, it is possible to insure against this risk by subscribing to a mechanical failure guarantee, which remains very affordable all year round. Let's find out everything there is to know about this auto insurance guarantee!
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What is the mechanical failure guarantee?
What is the mechanical failure guarantee?
The mechanical breakdown guarantee, often included in most auto insurance contracts, allows you to benefit from external support for repairs that your broken down and / or immobilized vehicle should undergo.
This guarantee allows you to be reimbursed for the cost of repairs, or even not to have to pay them at all and
aims to take charge of the defective nature of mechanical, electrical or electronic parts: engine failure, battery, indicators, etc. For the warranty to apply, however, it must be an unforeseeable failure, which would not result, for example, a lack of maintenance or normal wear and tear of the vehicle.
Please note: not all auto insurance contracts include a mechanical breakdown guarantee. This is most often an option, usually available in higher plans.
Mechanical failure warranty and manufacturer's warranty: what are the differences?
When you buy a new vehicle, the manufacturer gives you a guarantee for at least 2 years or a certain number of kilometers (100,000 for example). This is a legal guarantee, which can be optionally extended (5 years maximum).
The mechanical breakdown guarantee of an auto insurance contract can supplement the manufacturer's guarantee, in order to cover breakdowns that are not covered or excluded. It is therefore possible to have the two in parallel, or to take out a breakdown guarantee after the manufacturer's warranty expires.
Where can I subscribe to a mechanical breakdown guarantee?
Most insurers offer mechanical breakdown coverage as an option on their car insurance plans. This security is very rarely automatically integrated into auto contracts. It will therefore be necessary to pay it in addition.
Most often, it is only accessible if you subscribe to a higher plan, intermediate type or all risks. It is rarely available when the insured opts for a third party formula.
In some cases, it is also necessary to subscribe to other options in order to have access to the breakdown guarantee. This is the case for example at Matmut: the insured must take out the 0 km breakdown assistance guarantee in order to be able to subscribe to the mechanical breakdown option. The first provides for towing if the vehicle is immobilized, the second for repairs.
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