Do I need to take out insurance for mechanical breakdowns?
PRACTICAL LIFE While it goes without saying to insure yourself in the event of a car accident, we often think less about a breakdown due to a defect in a mechanical part. A situation that can be very expensive
Although liability insurance is enough to get behind the wheel of an automobile, much broader contracts are in practice essential to protect the driver. However, the choice is not limited to separating the insurance all risks or the third party. In either case, you can subscribe to a number of a la carte options to best complement your coverage. The mechanical breakdown guarantee is one of these additions to consider.
The optional option
When buying a new car, you automatically benefit from what is called the legal guarantee of conformity. Free and mandatory, it requires the manufacturer to pay all costs resulting from a defect or defect in the vehicle discovered after purchase, for two years (one year for a used car).
In addition, there is usually a manufacturer’s warranty, which can be one or two years, and this time is part of the commercial commitment of each brand. But once the time has elapsed, you will be out of your pocket in case of malfunction. This is why car insurers have implemented the mechanical breakdown guarantee.
This optional option acts as an extended warranty. It covers the amount of repairs (parts and labor) related to a defect in the mechanical, electrical and electronic elements of the vehicle, such as the engine, gearbox, braking system, air conditioning but also the on-board computer, the alternator or the central locking and engine of the mirrors.
Indeed, this type of failure can cost up to four times more without the subscription of a specific guarantee. This option allows you to limit the bill, for a contribution that varies between 150 and 350 euros per year depending on the duration of the coverage, the age of the car, its mileage, its power but also the number of parts concerned.
Beware of the terms and conditions
Be careful, the content of the mechanical breakdown guarantee changes from one company to another, and even from one contract to another. Not all parts of your car are necessarily covered. In any case, the replacement of parts due to wear and tear cannot be supported. Finally, check what the waiting period is applied, so that you do not find yourself without protection between the end of the legal guarantee and the beginning of the application of the insurance.