I suspect that mechanical breakdown insurance was the brain child of someone who was stung by an “extended warranty” or maybe even, the factory warranty.  It can be so frustrating to get the run-around at the dealerships and especially, if you have the misfortune to be out of area when you have an issue.  If that dealership didn’t sell it, they are reluctant to take your paperwork at face value and do the repairs.  With car breakdown cover/coverage, you have the flexibility of choosing what mechanic you want to do the repairs.  You are not tied down to just the dealership shops to do your work.

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