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Mechanical breakdown insurance is a specialised insurance policy used to insure clients against unexpected mechanical costs if their vehicle breaks down. Cover normally includes towing if your vehicle breaks down, delivery of fuel if you run out unexpectedly and any other service that may be required if your vehicle unexpectedly breaks down while you are en route somewhere. Often, insurance companies will send a rental car to collect you in the event of your vehicle being beyond road side repair. It is important to keep in mind that unless you added vehicle rental insurance to your policy, you will be charged for use of the rental vehicle. Mechanical breakdown insurance is an optional added benefit and is recommended for people who travel frequently and for long distances.