When buying a new car, you automatically benefit from what is called the legal guarantee of conformity for 2 years (1 year for a used car). But once the time has elapsed, you will be out of pocket in the event of a malfunction.
This is why car insurers have set up mechanical breakdown cover. This optional option acts as an extension of warranty. It covers the amount of repairs (parts and labour) related to a defect in the mechanical, electrical and electronic components of the vehicle, such as the engine, the gearbox, the braking system, the air conditioning but also the on-board computer, the alternator or even the central locking and the mirror motor.
Indeed, this type of breakdown can cost up to four times more without the subscription of a specific guarantee. This option therefore allows you to limit the bill, for a fee that varies between €150 and €350 per year.