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    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).*


    Comprehensive coverage

    Any service provider

    Travel benefits

    Flexible deductible and payments

    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?

    How does the deductible work when I need my car or RV repaired?

    Are parts and labor included?

    What if I want to get a new part instead of repairing the old one?

    Is there a required inspection before my plan activates?

    Quote mechanical breakdown insurance today

    Get a quoteOr, call 1-866-799-6774