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Mechanical Breakdown Insurance
Protect your car, truck, or RV from unexpected repairs and breakdowns
This mechanical breakdown rate and coverage are provided and serviced by a third party.. Read more
RV and car repair insurance — more than an extended warranty
Mechanical breakdown insurance is designed to protect your wallet from unexpected vehicle repairs and breakdowns — a more comprehensive alternative to an extended vehicle warranty. Whether you want to protect your car, truck, or RV, Good Sam's mechanical repair plan pays to repair your vehicle's sudden and unexpected breakdown. Plus, you'll be able to get repairs from one of Good Sam's preferred service providers or your own mechanic.
What does mechanical repair insurance cover?
Mechanical repair plans provide coverage for breakdown-related repairs after your manufacturer's warranty expires, or when your vehicle warranty doesn't cover a mechanical failure. You'll pay your deductible, and your mechanical breakdown insurance will pay your service provider directly for the rest of your covered repairs. You can purchase mechanical breakdown insurance for cars, trucks, SUVs, and RVs (trailers, fifth wheels, and Class A, B, and C motorhomes).*
HOW IT WORKS
Comprehensive coverage
Mechanical breakdown insurance covers major components for sudden, unexpected mechanical failures for the full length of your coverage term. Vehicle warranties, on the other hand, may protect different parts of your RV or car for different time periods, and only from manufacturing-related failures.
Any service provider
Get your car or RV repaired anywhere you want, no matter where you are when the breakdown occurs. No need to tow your RV all the way home or only take your car to the dealer. You'll be directed to a preferred service provider, or you can take your vehicle to any service center in the U.S. or Canada.
Travel benefits
If you're on the road and experience a covered breakdown, you can be reimbursed up to $100 per day in added meal and hotel expenses for five days while your vehicle is being repaired. Plus, you'll get $60 per day for rental car cost reimbursement for the same time period if your vehicle can't be driven.†
Flexible deductible and payments
When purchasing your RV or car repair insurance plan, you'll choose your deductible from options between $100 and $500, according to your budget and vehicle type. Unlike extended car warranties that require a high upfront cost, you can choose between pay-as-you-go monthly payments or annual payments. You can also lock in your rate for up to three years.
What doesn't a mechanical repair plan cover?
Mechanical breakdown insurance doesn't cover your RV or car's routine maintenance. Your coverage plan will detail exactly which types of repairs are covered and which are excluded for your vehicle.
Vehicle towing also isn't covered by mechanical breakdown insurance, but you can add Roadside Assistance to your Progressive RV or auto insurance policy. Learn more by exploring our RV/trailer coverages and auto insurance coverages.
Mechanical breakdown insurance vs. vehicle warranties
Mechanical breakdown insurance is an insurance plan that provides broad protection from mechanical failure for the entire length of your term, while manufacturer warranties typically only cover your RV or car for repairs that stem from defective materials or improper manufacturing. And vehicle warranties only last so long — often with different lengths of coverage for different parts.
Mechanical breakdown insurance can help ensure there are no gaps in coverage while your manufacturer's warranty is still valid, and it's a more comprehensive alternative to purchasing an extended warranty. Extended vehicle warranties can have a high upfront cost, whereas mechanical repair plans allow you to pay as you go at an affordable rate.
Mechanical Breakdown Insurance vs. Progressive Vehicle Protection
Progressive offers two products that can be considered "mechanical breakdown insurance": Mechanical Breakdown Insurance by Good Sam, and Progressive Vehicle Protection. Both provide breakdown protection, but Progressive's vehicle protection plan is an auto insurance coverage for newer cars, while Good Sam's mechanical breakdown insurance is a separate policy for anyone from RVers to serious road trippers and even daily drivers.
Good Sam's mechanical breakdown insurance is a standalone insurance policy for vehicles and RVs that are 15 model years old or newer and have less than 100,000 miles (or 120,000 for rear engine diesel motorhomes).
This differs from Progressive Vehicle Protection, which is available in some states for newer cars and trucks that are covered with liability, comprehensive, collision, rental car, and roadside assistance with trip interruption coverages. In addition to being a pay-as-you-go alternative to getting an extended warranty, Progressive Vehicle Protection offers benefits like coverage for dents and dings and key/fob replacement.
Mechanical breakdown insurance FAQ
Learn more about mechanical repair plans with these frequently asked questions.
What will I do if my vehicle breaks down?
When a mechanical failure happens, you'll call the number provided in your coverage documents so you can be put into contact with a preferred service provider for the highest quality repairs. Or, if you decide to use a mechanic of your choice, you'll call a toll-free number so Good Sam's experts can speak directly with your technician. They'll review the diagnosis and recommended repairs prior to authorizing the work. For major repairs, an inspection to verify the damage may be required.
How does the deductible work when I need my car or RV repaired?
When a covered breakdown occurs, you'll pay one deductible for all repairs made at that time. When you purchase your plan for a personal vehicle or motorhome, you'll choose a deductible of $100, $250, or $500. For fifth wheels and travel trailers, you'll choose a deductible of $100, $200, or $300. Beyond the deductible, your mechanical breakdown plan will pay the service provider directly for all covered repairs.
Are parts and labor included?
Yes, parts and labor are included for all covered repairs. You can also have non-covered work done while your vehicle is in the shop; you'll just pay for those additional costs out of pocket.
What if I want to get a new part instead of repairing the old one?
If the shop can repair the part for a lower cost but you prefer to get a new one, the new part will be covered up to the cost estimated to repair the old one. You'll pay out of pocket for the costs that exceed the repair estimate.
Is there a required inspection before my plan activates?
While repairs related to preexisting issues won't be covered, there's no inspection required to activate your mechanical repair plan.
