Compare the list of covered components and the age/mileage eligibility criteria carefully — most policies exclude wear-and-tear items and pre-existing faults at the time of purchase.
Compare the top 2 Saudi mechanical breakdown insurance providers, with premiums from 280 /year. Data current as of 23 October 2026 and updated daily from the Giraffy database.
3 live offers compared from 2 providers, from SAR 280 /year. Updated daily.
SAR 280 /year
Price on request
Price on request
Mechanical breakdown insurance, often known as an extended warranty, covers the cost of repairing major mechanical and electrical failures once a vehicles manufacturer warranty has expired. Unlike motor insurance, which handles accidents and third-party liability, this product deals with component failure, protecting owners of older or out-of-warranty cars from large, unexpected repair bills for parts such as the engine, transmission and key electrical systems.
Where the product is provided as insurance, it falls under the Insurance Authority (IA), which consolidated insurance supervision from the Saudi Central Bank in 2023 and 2024; warranty-style products may also be offered directly by specialist providers. This is a smaller, more specialised segment than motor cover. Policies define covered components, the vehicle age and mileage eligibility, and the claim process, typically through approved workshops. It appeals particularly to owners keeping a car beyond its factory warranty and to buyers of used vehicles who want protection against a costly early failure. Because payouts hinge on a defined component list rather than an open promise to repair anything, the value of a plan lies in how closely its covered parts match the failures most likely to be expensive.
Repair cost protection — Covers expensive mechanical and electrical failures after the factory warranty ends.
Budget certainty — Turns unpredictable repair bills into a known annual cost.
Older-vehicle cover — Extends protection to cars past their manufacturer warranty.
Approved workshops — Repairs handled through recognised service centres.
Check exactly which components are covered, as policies vary from powertrain-only to more comprehensive lists, and confirm your vehicles age and mileage qualify. Review the claim limit per repair and per year, any deductible, and whether wear-and-tear items are excluded. Confirm which workshops you can use. Because this product is defined by its component list, compare cover scope carefully rather than judging on the contribution alone.
Gulf Warranties (GWIS) is a specialist provider focused on vehicle warranty and breakdown cover, alongside Tawuniya, one of the Kingdoms largest insurers, which offers related motor products. This is a niche category with fewer providers than mainstream motor insurance. Giraffy tracks the live offers available so you can compare covered components and contributions.
Contributions on Giraffy sit around SAR 280 for the plans currently tracked, though the exact price depends on the vehicles make, age, mileage and the breadth of components covered. Broader cover and older or higher-mileage vehicles typically cost more. Weigh the contribution against the likely repair costs it protects, particularly for major components, and confirm the claim limits are adequate for those repairs.
Where offered as insurance, this product is licensed and supervised by the Insurance Authority, with approved terms and consumer-protection oversight; warranty-style products should come from established, reputable providers. Either way, the covered components, eligibility and claim process are defined in the contract. Read those terms carefully so you know what is included before a breakdown occurs, and keep up any required servicing, since missed maintenance can void a claim under some plans.
How is this different from car insurance? Motor insurance covers accidents and liability; mechanical breakdown cover handles component failure and repairs.
Does my car qualify? Eligibility depends on the vehicles age and mileage; check the limits before buying.
What is covered? A defined list of mechanical and electrical components, which varies by plan, so review the scope carefully.
Can I use my own workshop? Usually repairs must go through approved service centres for the claim to be valid, so confirm the accepted workshops before you commit.
The cheapest Mechanical Breakdown Insurance in Saudi Arabia is SAR 280 /year from Gulf Warranties (GWIS).
The lowest tracked price on Giraffy is SAR 280 /year across 3 live offers. Compare all plans sorted by price.
Giraffy tracks 2 mechanical breakdown insurance companies in Saudi Arabia.
Offer data is refreshed daily from the Giraffy database. Each compare page shows when data was last checked.
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