Motor insurers exclude mechanical and electrical breakdown from the own damage’ section of a comprehensive policy. If the breakdown, e.g. brake failure, causes an own damage’ accident, the damage will be covered but not the repair of the brake. However, if the breakdown is the result of failure to observe the reasonable care condition the insured may get no cover except for the compulsory insurance elements of his policy and then subject to the insurer’s right to recover the amount paid.

1. Covers the cost of breakdown of household appliances or motor vehicles. 2. See AVIATION MECHANICAL BREAKDOWN INSURANCE.