What is the mechanical breakdown guarantee in auto insurance? The mechanical breakdown guarantee is part of the optional protection that can be purchased under a car insurance contract. How does it work and what does it support? When buying a new car, the owner benefits from the manufacturer's warranty. This is a free legal warranty for the consumer that obliges the vehicle manufacturer to take care of repairs of any problem related to the defective characters of mechanical, electrical or electronic parts. The manufacturer's warranty is valid for a period that may be 1 or 2 years or based on mileage. When the manufacturer's warranty expires, the vehicle owner can opt for a warranty extension if it is offered. If necessary, he must necessarily turn to the addition of a mechanical breakdown guarantee on his auto insurance policy to continue to receive support in case of breakdown of the vehicle. In the event of a claim, the breakdown guarantee allows the insurer to cover the cost of repairs related to the repair of the damaged vehicle. The failure must not be a defect hidden by the insured so that the guarantee can intervene. A waiting period may be applied during the underwriting of the mechanical breakdown guarantee, which will prevent any claim compensation during the period indicated on the contract. It is possible to take out a mechanical breakdown warranty before the expiry of the manufacturer's warranty in the case of the purchase of a new car. The insured continues to benefit from the manufacturer's warranty or a warranty extension and the insurance company will only cover the damage excluded or not provided by the manufacturer. Claims for auto assistance coverage may vary by insurer, but most offer assistance. Use Clarity Cover Warranty discount code and coupons for further reduction.