Mechanical Insurance works exactly the same as mechanical breakdown insurance. An individual will take out a mechanical insurance policy for their vehicle. If their vehicle requires any unexpected mechanical repairs, the insurance policy will cover these expenses up to a certain, pre-agreed limit. These policies will not cover normal wear and tear repairs such as brakes, replacement of tires or mechanical damage caused by driver abuse. The added benefit of taking out mechanical insurance is that it will usually cover you against poor workmanship. Normally any mechanical repairs carry a three month warranty, but frequently the effects of poor workmanship will only become evident much later, especially if the vehicle is not used to drive long distances or used frequently. Although mechanical insurance in a specialised product, some short-term insurance companies offer mechanical insurance options as part of their product offering.