Mechanical Breakdown in Car Insurance UAE
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Regulated by the Government of Dubai
Mechanical breakdown insurance is essential for vehicle owners because it provides financial protection against costly repairs caused by mechanical failures. Unlike standard auto insurance, which usually covers accidents and other physical damage, mechanical breakdown insurance focuses on problems related to the internal mechanics of the vehicle. These issues can arise unexpectedly and can be expensive to fix, especially if you drive an older car. Having car mechanical insurance ensures that you're not caught off guard by sudden repair costs, helping you keep your vehicle in top shape without breaking the bank.
This page will give you all the details you need about mechanical repair insurance. We’ll explain the best options available, the benefits of having coverage, and provide tips for choosing the right policy for your needs. This way, you can make a well-informed decision to protect your vehicle and your finances.
What is Mechanical Breakdown Insurance?
Mechanical breakdown insurance, also known as MBI, is a specialized type of insurance that covers the cost of repairs related to mechanical failures. Unlike a standard car insurance policy, which covers damages from accidents, MBI focuses on the car’s internal systems like the engine, transmission, electrical systems, and other key components. MBI is often more comprehensive than an extended warranty and offers more flexibility in terms of where you can take your vehicle for repairs.
Mechanical repair insurance is recommended if the manufacturer’s warranty on your vehicle has expired. After this point, mechanical failure in the car could lead to expensive repairs. Having breakdown coverage ensures that these repairs are covered, so you don’t have to worry about high out-of-pocket expenses. This coverage is ideal for people who plan to keep their cars for a long time and want to avoid hefty repair bills.
Why Choose Lookinsure for Mechanical Breakdown Car Insurance?
Choosing Lookinsure for mechanical breakdown insurance offers numerous advantages tailored specifically for car owners in the UAE. Lookinsure's online platform streamlines the process, making it not only simple but also efficient for customers who are looking for comprehensive coverage at competitive rates. Here are several compelling reasons to choose Lookinsure for your car insurance needs:
User-Friendly
Our website allows for easy navigation, enabling users to compare various insurance plans quickly.
Convenient Purchase and Renewal
We offer a seamless experience when you buy car insurance or opt for insurance renewal online.
Tailored Policies
Every driver has unique needs, and Lookinsure provides customizable insurance plans. Whether you require third-party insurance or a comprehensive policy, or even a custom-designed mechanical repair insurance add-on, we have options to suit different preferences and budgets.
Transparency in Pricing
With Lookinsure, you can expect clear and straightforward pricing. By understanding your car insurance renewal cost in advance, you can effectively plan your finances.
Fast Claims Process
In times of need, a quick claims process is vital. We help you to manage your claims efficiently, minimizing downtime and getting you back on the road as soon as possible.
Why Choose Car Insurance with Mechanical Breakdown in UAE
Let's look at the benefits of mechanical breakdown cover for your car.
Financial Protection
Mechanical Breakdown Insurance (MBI) offers significant financial protection for vehicle owners. Repair costs for essential components like the engine, transmission, or electrical systems can be exceptionally high. With MBI, you don’t have to worry about paying these large expenses out of pocket, as the insurance covers the cost of repairs, reducing your financial stress.
Peace of Mind
One of the most appreciated benefits of mechanical repair insurance is the peace of mind it brings. Knowing that your vehicle is protected against unexpected breakdowns allows you to drive without constantly worrying about potential repair bills. MBI ensures that if something goes wrong, you’re covered, enabling quick vehicle repairs without causing a financial strain.
Minimized Downtime
For those who rely on their cars daily for commuting or work, mechanical repair insurance or MBI is particularly valuable. It helps minimize downtime by providing coverage for repairs, ensuring that your vehicle can be repaired swiftly and you can get back on the road without significant delays. This is crucial for maintaining your daily routine and responsibilities without interruption.
Services Typically Covered under Mechanical Breakdown Insurance
Most car mechanical breakdown insurance policies cover a broad range of car components. This can include major systems like the engine, transmission, suspension, and brakes. Other important components like the fuel system, air conditioning, and electrical systems may also be covered. Some MBI car insurance policies extend coverage to smaller parts, such as sensors and wiring, which are also essential for the vehicle’s functionality.
Covers repairs or replacements of engine components. | |
Transmission Repairs | Covers repairs or replacements of transmission parts. |
Drivetrain Repairs | Covers repairs or replacements of drivetrain components. |
Brake System Repairs | Covers repairs or replacements of brake system parts. |
Electrical System Repairs | Covers repairs or replacements of electrical system components. |
Air Conditioning and Heating | Covers repairs or replacements of air conditioning and heating systems. |
Steering System Repairs | Covers repairs or replacements of steering system components. |
Suspension Repairs | Covers repairs or replacements of suspension parts. |
Emissions System Repairs | Covers repairs or replacements of emissions system components. |
Exhaust System Repairs | Covers repairs or replacements of exhaust system parts. |
Towing Services | Provides towing services in case of a breakdown. |
Rental Car Coverage | Provides a rental car while your vehicle is being repaired. |
24-Hour Roadside Assistance | Offers assistance for breakdowns, lock-outs, and other roadside emergencies. |
Exclusions & Limitations of Mechanical Breakdown Insurance
Also, it is important to understand the exclusions of the mechanical breakdown insurance:
Routine Maintenance | Excludes regular maintenance services such as oil changes, tire rotations, and brake pad replacements |
Wear and Tear | Excludes wear and tear on parts like belts, hoses, and brakes |
Accidents and Collisions | Excludes damage resulting from accidents, collisions, or environmental factors |
Towing Services | Excludes coverage for towing services |
Routine Repairs | Excludes routine repairs such as tune-ups, suspension alignment, and wheel balancing |
Environmental Damage | Excludes damage caused by environmental factors such as floods or hail. Check flood car insurance coverage add-ons that specifically deal with this issue for better coverage. |
Electrical Components | Excludes certain electrical components and systems |
Pre-existing Conditions | Excludes issues that existed before the policy was purchased |
Improper Use or Maintenance | Excludes damage due to improper use or lack of maintenance |
Modifications | Excludes damage to parts that have been modified or altered from the original specifications |
Do I Need Mechanical Breakdown Insurance?
Deciding whether or not you need a car mechanical breakdown insurance depends on several factors. If your car is new and still covered by the manufacturer’s warranty, you may not need MBI at the moment. However, if your warranty is about to expire, or if your car is a few years old, MBI can be a wise investment. This type of insurance is especially beneficial if you plan to keep your car for a long time or if your car model is known for expensive repairs.
With automotive mechanical insurance, you protect yourself from unexpected repair costs that can arise as your car ages. It’s a smart option for anyone looking to avoid paying large sums for mechanical issues.
Compare Mechanical Breakdown Insurance Quotes with Lookinsure
At Lookinsure, we make it simple to compare mechanical repair insurance quotes from various providers. By entering your vehicle's details, you can quickly receive a range of options based on your needs and preferences. This way, you can choose the most affordable plan without sacrificing essential coverage. Comparing quotes is an effective way to save money and ensure you’re getting the best protection for your car.
Lookinsure is dedicated to providing you with transparent pricing and competitive options, so you can make an informed choice when it comes to protecting your vehicle from mechanical breakdowns.
How to Add Mechanical Breakdown Cover to Your Policy via Lookinsure
Lookinsure makes it easy to include car mechanical breakdown insurance in your plan. Whether you’re buying a new policy or upgrading an existing one, the process takes only a few minutes.
Here’s how to do it:
- Visit Lookinsure’s website – Go to the car insurance section and click “Get a Quote.”
- Enter your car details – Provide basic information about your vehicle and driving history.
- Compare available plans – Lookinsure will show you multiple insurers and their policy options.
- Select your add-ons – Choose mechanical breakdown cover from the list of available covers.
- Review your premium – You’ll instantly see how much your total premium changes after adding the cover.
- Confirm and pay – Once you’re satisfied, complete your purchase online and get your updated policy via email.
If you already have an active Lookinsure policy, you can still request to add this cover by logging in to your account. The system will generate a revised quote, and you’ll receive confirmation once it’s applied.
Things to Consider when Buying Mechanical Breakdown Insurance in UAE
When purchasing mechanical breakdown insurance in the UAE, there are a few important factors to consider. First, assess the age and condition of your vehicle. Cars that are older or have higher mileage may require more extensive coverage. Second, pay attention to the policy’s exclusions and limitations.
Knowing what’s not covered in a mechanical repair insurance add-on will help you avoid surprises down the road. Third, consider the cost of the premium with the potential repair costs for your car. Finally, look for a provider with good customer service and a reputation for handling claims efficiently.
Costs & Premium Impact of Mechanical Breakdown Insurance in UAE
MBI coverage is designed to protect your car from sudden and unexpected component failures that aren’t caused by accidents. Think of it as an extra layer of protection for when something goes wrong under the hood, whether it’s a gearbox issue, electrical system failure, or an air conditioning fault.
The cost of adding this mechanical breakdown cover depends on several factors: the age of your car, the manufacturer’s reliability record, and the insurer’s pricing model. Generally, the driver with the newest car will get the cheapest mechanical breakdown insurance. Still, even with older cars, it’s a small price to pay compared to the high cost of major repairs.
In the UAE, where heat and long commutes can accelerate wear and tear, having mechanical repair insurance can easily pay for itself after a single covered repair.
How to Get Cheaper Mechanical Breakdown as Add-On?
To get cheaper mechanical breakdown insurance, start by comparing multiple quotes from different providers. Look for discounts and promotions that may apply, such as reduced rates for newer cars or multi-vehicle discounts.
You can also lower your premium by opting for a higher deductible, though this means you’ll have to pay more out-of-pocket for repairs. Additionally, keeping your car in good condition can help you secure a lower rate, as insurers may offer better deals for well-maintained vehicles.