When you take out car insurance there will always be a number of exclusions included in the policy. It is very important to familiarise yourself with the exclusions in your car policy document. One of the risks not covered by car insurance is mechanical breakdown. When you buy a new car you will receive a factory warranty that will safeguard you against this risk during the time that the warranty remains valid.

If you wish to insure your car for mechanical breakdown you will have to take out separate mechanical breakdown insurance. This special insurance cover will usually include the engine, air-conditioner, transmission, cooling system, electrical parts, fuel system, steering and gearbox. There are different options of mechanical breakdown insurance available on the market.

Another form of breakdown insurance is called roadside assistance. This is assistance for when your car breaks down, such as towing services and tyre-changes or medical assistance and it does not cover you for any mechanical repairs. Roadside assistance cover is usually included in all comprehensive car insurance policies as well as third party, fire and theft policies. It can even be an added benefit included in a cellular phone contract.

Breakdown insurance is not offered by all insurers. Ask your broker or search the internet if you are interested in this type of insurance.