Mechanical breakdown insurance (MBI) covers the cost of repairing or replacing major mechanical and electrical vehicle components that fail due to a mechanical defect — not an accident. It typically activates after the manufacturer warranty expires and covers components like the engine, gearbox, differentials, transfer case, and electrical systems.

Covered components typically include: engine (block, heads, internal components), gearbox and transmission, differentials, transfer case, turbocharger and supercharger, fuel injection systems, electrical components, and cooling system. Wear-and-tear items (brake pads, tyres, clutch discs) and lack-of-maintenance failures are excluded.

Yes, most MBI policies cover sudden and unexpected electrical component failures — including alternators, starters, window mechanisms, and electronic control units (ECUs). Modern vehicles have extensive electrical systems and ECU replacement is expensive. Confirm specific electrical inclusions with your FSCA-registered provider.

Mechanical breakdown insurance and extended vehicle warranty are similar products with some differences. MBI is typically regulated as short-term insurance by the FSCA under the Short-term Insurance Act. Extended warranties may be unregulated or regulated differently. MBI requires a licensed FSP; extended warranties may be sold by dealers. Confirm your provider's FSCA status before purchasing.