Geico Mechanical Breakdown Insurance: Protecting Your Vehicle

When it comes to unexpected car troubles, having the right insurance coverage can make all the difference. In this comprehensive guide, we will delve into the world of Geico Mechanical Breakdown Insurance (MBI) and how it can safeguard your vehicle against costly repairs.

Understanding Mechanical Breakdown Insurance

What Is Mechanical Breakdown Insurance (MBI)?

Mechanical Breakdown Insurance (MBI) is a type of coverage that helps pay for repairs to your vehicle’s mechanical parts, such as the engine, transmission, and suspension. It goes beyond traditional auto insurance, which typically covers damage caused by accidents or theft.

How Does MBI Differ from Extended Warranties?

While extended warranties are usually offered by manufacturers or dealerships for a specific period, MBI can be purchased independently and often provides more flexibility in terms of coverage.

What Does Geico Mechanical Breakdown Insurance Cover?

Covered Components

Geico MBI covers a wide range of mechanical components, including but not limited to:

  • Engine
  • Transmission
  • Drive Axles
  • Suspension
  • Steering
  • Electrical Systems

Mileage and Age Restrictions

Geico MBI may have restrictions based on your vehicle’s mileage and age. It’s essential to review the policy details to understand any limitations that may apply.

The Benefits of Geico MBI

Peace of Mind

With Geico MBI, you can drive with confidence, knowing that you have protection against unexpected and expensive mechanical failures.

Rental Car Reimbursement

If your vehicle is in the shop for covered repairs, Geico may provide rental car reimbursement, ensuring you have a temporary replacement.

Nationwide Service

Geico partners with repair facilities nationwide, making it convenient to get your vehicle fixed, no matter where you are.

Is Geico MBI Right for You?

Consider Your Vehicle’s Age and Mileage

Geico MBI may be especially beneficial if you have an older vehicle or one with high mileage, as these cars are more prone to mechanical issues.

Evaluate Your Budget

Determine if the cost of MBI fits within your budget. While it can provide peace of mind, it’s essential to weigh the expense against potential repair costs.

How to Purchase Geico Mechanical Breakdown Insurance

Contact Geico

To purchase MBI from Geico, simply get in touch with their customer service or visit their website. A Geico representative can guide you through the process and help you choose the right coverage for your vehicle.

Frequently Asked Questions (FAQs)

1. What is the cost of Geico Mechanical Breakdown Insurance?

The cost of MBI varies depending on factors such as your vehicle’s age, make, model, and mileage. Geico can provide you with a personalized quote.

2. Can I purchase MBI for a brand-new vehicle?

Yes, you can typically purchase MBI for both new and used vehicles. Geico offers coverage for vehicles up to 15 years old with less than 250,000 miles.

3. Are there any deductibles with Geico MBI?

Geico MBI usually does not have deductibles, meaning you won’t have to pay out of pocket for covered repairs.

4. How do I file a claim for MBI coverage?

If your vehicle experiences a covered mechanical breakdown, contact Geico’s claims department, and they will guide you through the claims process.

5. Is Geico MBI transferable if I sell my vehicle?

Yes, in most cases, Geico MBI is transferable to the new owner if you sell your vehicle. Be sure to check with Geico for specific details.


Geico Mechanical Breakdown Insurance can be a valuable addition to your auto insurance coverage, offering protection against costly mechanical failures. Whether you have a new or older vehicle, MBI provides peace of mind and keeps you on the road, worry-free. To explore your options and determine if Geico MBI is the right choice for you, reach out to Geico’s knowledgeable representatives today.

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