GEICO's Mechanical Breakdown Insurance
Mechanical Breakdown
We will pay for loss caused other than by collision or under the comprehensive coverage due to the mechanical breakdown of the owned auto.
DEFINITIONS
For the purposes of this amendment, the following special definitions apply with respect to mechanical breakdown only:
- Loss means all risk of physical damage to the owned auto or its equipment.
- Owned auto means any vehicle described in this policy for which a specific premium charge indicates there is
coverage. Owned auto does not mean:
- A newly acquired vehicle; or (MBI is only offered on new vehicles and thus would be under OEM warranty)
- A replacement vehicle; or
- A temporary substitute auto.
- Mechanical breakdown or failure means the inability of any covered part installed by the original manufacturer, or a like replacement part, which has received the lubrication services recommended by the vehicle manufacturer, to perform the function or functions for which it was designed. It does not mean gradual reductions in operating performance due to ordinary wear and tear.
EXCLUSIONS
For the purposes of this amendment only, with respect to mechanical breakdown, exclusion 4. is deleted (exclusion 4 in underlying policy excludes coverage on damage due to freezing, mechanical or electrical breakdown or failure unless the vehicle was stolen - MBI removes this exclusion). The following exclusions are added:
- Oxidation and rust damage are not covered.
- Damage caused intentionally by you or any other person using an owned auto with your permission is not covered.
- Loss due to misuse, alteration, or lack of proper maintenance is not covered. Proper maintenance is the recommended vehicle maintenance as outlined in the owner's manual provided by the manufacturer.
- Tire wear or other tire damage is not covered.
- Normal wear and tear is not covered.
- Routine maintenance services and parts are not covered. This includes; but is not limited to:
- Engine tune up;
- Suspension alignment;
- Wheel balancing;
- Filters;
- Lubrication;
- Engine coolant;
- Fluids;
- Spark or glow plugs;
- Brake pads;
- Brake linings; and
- Brake shoes.
- Any loss to the extent covered by warranty, recall or voluntary repair programs is not covered.
- Any loss to a non-owned auto or to a temporary substitute auto is not covered.
- Any loss to a newly acquired or replacement auto is not covered. (MBI is only offered on new vehicles and thus would be under OEM warranty)
- Any pre-existing loss or damage to any insured auto is not covered.
- Multi-Risk coverage will terminate either when the Odometer reading exceeds 100,000 miles or when the age of the vehicle is 7 years old, whichever occurs earlier. The 7-year stipulation will only apply to vehicles that are 1996 model year and later.