Mechanical Breakdown Insurance in Thailand

What is Mechanical Insurance?

Mechanical Breakdown Insurance (MBI) in Thailand serves as a crucial supplement to basic auto insurance by providing coverage for significant failures that are typically excluded in standard policies. This specialized insurance steps in to address major issues that could be financially burdensome for vehicle owners. From brake malfunctions to transmission issues and faults in the electrical system, MBI ensures that you’re protected against the high costs of repairing critical vehicle components.

Navigating the claims process is designed to be seamless and convenient. In the event of a mechanical breakdown, you can easily file an online claim, streamlining the process similar to any other car-related issue. Once the claim is approved, the insurance company will efficiently reimburse you for the incurred costs of the necessary repairs. Mechanical Breakdown Insurance not only provides financial security but also offers peace of mind, allowing you to address major vehicle malfunctions without the added worry of substantial repair expenses.

What is covered with Mechanical Insurance?

Mechanical Breakdown Insurance (MBI) typically covers the cost of repairs or replacements for major mechanical components of a vehicle that fail due to normal wear and tear or unforeseen mechanical issues. The specific coverage can vary depending on the insurance policy and provider.

Common items covered by Mechanical Insurance include:

Engine Components: MBI often covers repairs or replacements for major engine components such as the cylinder block, pistons, crankshaft, and camshaft.

Transmission: Coverage may extend to the repair or replacement of transmission components, including the torque converter, gears, and internal transmission parts.

Electrical System: MBI can cover the repair of various electrical components, including the starter motor, alternator, and other key electrical parts.

Brakes: Mechanical insurance may include coverage for repairs to the braking system, including the master cylinder, wheel cylinders, and brake boosters.

Suspension System: Some policies cover components of the suspension system, such as the shocks, struts, and control arms.

Air Conditioning and Heating Systems: Coverage may extend to the repair or replacement of components in the vehicle’s air conditioning and heating systems.

Fuel System: MBI might cover components of the fuel system, including the fuel pump, fuel injectors, and the fuel tank.

It’s important to carefully review the terms and conditions of a specific Mechanical Breakdown Insurance policy to understand the exact coverage provided. Additionally, coverage may vary based on factors such as the age and mileage of the vehicle. Routine maintenance and issues resulting from neglect or abuse are typically not covered by mechanical insurance.

We have experts on hand Monday through Friday to help you with what insurance cover you may need.