What is Covered Under Geico’s Mechanical Breakdown Insurance?

Mechanical breakdown insurance (MBI) is a type of coverage offered by Geico that protects against the costs of certain repairs that are not typically covered under a standard auto insurance policy. This coverage can be a valuable addition for drivers who want extra protection for their vehicle’s mechanical components. At Rate Frog, we provide detailed information on what is covered under Geico’s mechanical breakdown insurance and how it works.

What is Mechanical Breakdown Insurance?

Mechanical breakdown insurance is designed to cover repairs for mechanical issues and failures that occur outside of regular maintenance and wear and tear. It functions similarly to an extended car warranty but is offered by your insurance provider.

Coverage Details

Geico’s mechanical breakdown insurance covers a wide range of components and systems within your vehicle. Here are the key areas covered:

1. Engine Components

• Internal Parts: Includes repairs or replacement of internal engine parts like pistons, camshafts, and timing chains.
• Fuel System: Covers fuel pumps, injectors, and other components of the fuel system.

2. Transmission and Drivetrain

• Transmission: Both automatic and manual transmissions, including the internal parts.
• Drivetrain: Covers components like the drive shafts, axles, and CV joints.

3. Cooling System

• Radiator: Repairs or replacement of the radiator.
• Water Pump: Covers the water pump and associated components.

4. Electrical Components

• Alternator: Repairs or replacement of the alternator.
• Starter Motor: Covers the starter motor and related parts.
• Electrical Systems: Includes wiring harnesses and other electrical components.

5. Air Conditioning and Heating

• AC Compressor: Covers the air conditioning compressor.
• Heating Components: Includes the heater core and associated parts.

6. Steering and Suspension

• Steering Components: Repairs or replacement of steering gear, power steering pump, and other steering parts.
• Suspension: Covers shocks, struts, and other suspension components.

7. Brakes

• Brake System: Includes master cylinder, brake calipers, and other internal brake parts (not including pads and rotors, which are wear items).

8. Exclusions

While Geico’s mechanical breakdown insurance covers a broad range of components, it does not cover:

• Regular Maintenance: Oil changes, brake pads, tires, and other routine maintenance items.
• Wear and Tear: Parts that are expected to wear out over time due to normal use.
• Accidental Damage: Damages resulting from accidents, which are covered under collision or comprehensive insurance.
• Pre-Existing Conditions: Issues that existed before the coverage was purchased.

Eligibility and Requirements

1. Vehicle Age and Mileage

Geico’s mechanical breakdown insurance is typically available for newer vehicles:

• Age: Coverage is available for vehicles less than 15 months old.
• Mileage: The vehicle must have less than 15,000 miles when the coverage is purchased.

2. Maintenance Requirements

To remain eligible for mechanical breakdown insurance, you must adhere to the manufacturer’s recommended maintenance schedule. Failing to do so can void the coverage.

How to Use Geico’s Mechanical Breakdown Insurance

1. File a Claim

If your vehicle experiences a covered mechanical breakdown, you can file a claim with Geico:

• Phone: Call Geico’s claims department at 1-800-841-3000.
• Online: Visit Geico’s website and log in to your account to file a claim.
• Mobile App: Use the Geico mobile app to file a claim.

2. Get Repairs

Once the claim is approved, you can take your vehicle to an authorized repair facility. Geico may have preferred repair shops, but you generally have the freedom to choose any licensed repair facility.

3. Pay the Deductible

Mechanical breakdown insurance typically comes with a deductible. You will need to pay this deductible out-of-pocket, and Geico will cover the remaining cost of the repairs up to the limits of your coverage.

Benefits of Mechanical Breakdown Insurance

1. Financial Protection

MBI provides financial protection against unexpected mechanical failures, which can be costly to repair.

2. Peace of Mind

Knowing that you have coverage for major mechanical issues can give you peace of mind, especially for those who own newer vehicles.

3. Flexible Coverage

Unlike some extended warranties that require you to go to specific dealerships, MBI allows you to choose from a broader range of repair facilities.

Final Thoughts

Geico’s mechanical breakdown insurance covers a wide range of mechanical issues, providing valuable protection for your vehicle’s engine, transmission, electrical components, and more. Understanding what is covered and how to use this insurance can help you manage unexpected repair costs effectively. At Rate Frog, we help you explore your insurance options and find the best policies to suit your needs. Visit our platform today to compare quotes and secure the right coverage for your peace of mind!