Broken down and covered by MBI? Here's how a claim usually works, and where we fit in.
Mechanical breakdown insurance (MBI) can cover the cost of repairing a sudden mechanical or electrical failure. Every insurer has its own claim rules, and most need the fault reported and the repair authorised before any work starts.
Atmiya Auto Center diagnoses mechanical faults, provides the inspection details insurers ask for, and keeps the servicing records most policies require.
Each provider runs claims slightly differently. Pick yours for the steps that apply to your policy.
The exact steps depend on your insurer and policy wording, but most claims follow this order.
Driving with a known fault can void your cover. Contact your insurer or their roadside service first.
Your insurer will tell you where the vehicle can be assessed and may arrange towing.
The workshop finds the cause and reports the fault, parts and costs to your insurer. Some insurers need you to agree before parts are dismantled.
Your insurer approves or declines the claim. Repairs should not start until it's approved.
Approved work is completed. You pay your excess and anything the policy doesn't cover.
Cover depends entirely on your policy level, but MBI is generally designed for:
Policies commonly exclude:
Most claims are declined for the same few reasons. A few habits keep your cover working when you need it.
We service to your logbook schedule.
Every invoice lists the work done, ready for your insurer.
No. A manufacturer's warranty comes with a new vehicle. MBI is an insurance policy, often sold with used cars or vehicle finance, with its own cover limits, excesses and claim rules.
It depends on your insurer. Some only pay authorised repairers or may choose where the vehicle is repaired. Check with your insurer when you report the breakdown.
Sometimes. Some insurers cover diagnosis when the claim is approved; others, like Janssen, exclude diagnosis and scanning costs. We'll tell you before we start.
Your policy needs servicing at the right intervals by a recognised workshop, with records. We service to your schedule and give you itemised invoices for your records.
Whether it's scheduled maintenance or something that doesn't feel right, book your vehicle into our Avondale workshop.