Does Car Insurance Cover Brakes?

Does Car Insurance Cover Brakes?

Car insurance is designed to cover damage incurred during an accident or damage from outside forces. There are two types of basic auto insurance that are typically required by law, liability insurance and personal injury protection (PIP).

So What Covers Brakes?

There are no basic auto insurance plans that cover your brakes. Car insurance is designed to repair damage done during an accident and brake failure is considered a mechanical issue. Insurance was never intended to cover basic wear and tear of your vehicle.

Though rare, there may be instances where an insurance provider will offer plans that cover mechanical failures like squeaky brakes or all-out brake failure. This is sometimes known as Mechanical Breakdown Insurance. Check with your provider to see if this is coverage you can get.

Mechanical breakdown insurance often comes with restrictions. Some policies require that your car was on the road for less than a certain amount of months or miles. However, your provider may offer the ability to renew your insurance.

It’s important to take into consideration the deductible when purchasing  maintenance plan. In many instances it could be equal to the price of the repairs you’d have paid on your own.

Your other option is to purchase a warranty or maintenance plan from the dealer when you buy your car. Be sure to thoroughly check the types of extended warranties they offer for your vehicle before making a purchase.

If you’re having trouble determining whether an insurance provider offers coverage for your brakes, we can help you with this so you can decide what the best coverage for your situation might be.”


Need professional advice from an RMI-accredited fitment centre, especially if you are not in a maintenance plan? Get in touch with us by clicking here!

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