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Mechanical Breakdown Insurance (MBI) specifically covers losses due to the breakdown of motor vehicles, making it a form of insurance that is particularly designed for car owners. This type of insurance provides financial protection against repair costs that can arise when a vehicle's mechanical systems fail. It typically includes coverage for essential components such as the engine, transmission, and other key mechanical parts that are vital for the vehicle's operation.

MBI serves as a valuable supplement to the traditional auto insurance policies which may not cover the costs associated with mechanical breakdowns. As such, vehicle owners can benefit from this additional layer of protection, helping them manage potential unexpected expenses related to repairs. The focus on motor vehicles distinguishes MBI from other forms of insurance designed for machinery or liability issues, which do not address the specific needs of car owners concerning mechanical failures.