Mechanical Breakdown Insurance (MBI) is a type of coverage designed to help pay for certain mechanical repairs after a vehicle’s factory warranty expires. Unlike traditional extended warranties sold through dealerships, MBI is often offered through insurance providers and may cover major components such as the engine, transmission, and drivetrain.

While Mechanical Breakdown Insurance (MBI) can reduce large unexpected repair bills, it typically requires claim approvals, deductibles, and adherence to strict maintenance guidelines. Repairs usually must be authorized before work begins, which can sometimes delay service.

Many modern drivers also explore preventative maintenance programs that focus on early detection and routine inspections rather than waiting for parts to fail. Understanding how Mechanical Breakdown Insurance (MBI) fits into your overall vehicle protection strategy helps ensure you choose the right balance between financial coverage and proactive care.