Should you get mechanical failure insurance for your car?

Should you get mechanical failure insurance for your car?

Although civil liability insurance is sufficient to get behind the wheel, broader contracts are practically necessary to protect the driver. However, the choice is not just about choosing between all-risk or third-party insurance. Either way, you get a number of eclectic options to best complement your coverage. A mechanical failure warranty is one such plus to consider.

Optional option

When you buy a new car, you automatically benefit from what’s called a statutory guarantee of conformity. Free and mandatory, it requires the manufacturer to pay all costs arising from a defect or defect in the vehicle discovered after purchase, for a period of two years (one year for a used vehicle). There is generally a manufacturer’s warranty, which can be for a period of one or two years, which this time comes within the commercial obligation of each brand. But once the time is up, it will come out of your pocket in the event of a malfunction. This is why auto insurance companies have put in place a mechanical breakdown cover.

This optional option is an extension of the warranty. Covers the amount of repairs (parts and labor) related to a defect in a vehicle’s mechanical, electrical and electronic components, such as the engine, gearbox, braking system, air conditioning and also the on-board computer, alternator or even the central locking and mirror drive. In fact, this kind of detail can cost up to four times more without subscribing to a specific warranty. Thus, this option allows you to set the bill, for a contribution of 150-350 euros per year depending on the term of coverage, the age of the vehicle, the number of miles it has driven, its power, as well as the number of parts involved.

Beware of the conditions

Please note that the mechanical failure warranty content varies from company to company, and even from contract to contract. Not all parts of your vehicle are necessarily covered. In any case, parts replacement due to wear and tear cannot be covered. Finally, check the applicable waiting period, so that you do not find yourself without protection between the end of the statutory guarantee and the start of the application of the insurance.

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