Which type of event might be covered under a Mechanical Breakdown Insurance policy?

Mechanical Breakdown Insurance specifically covers damages that result from the mechanical failure of a vehicle's components. This type of insurance is designed to help policyholders repair or replace parts of their vehicle that may fail due to normal wear and tear or mechanical issues, such as engine failure.

In the context of the other options, accidental damage to property relates to physical damage caused by an unforeseen accident, which typically falls under a different type of insurance, like general liability. Loss due to theft would be covered by a comprehensive auto policy or specific theft coverage rather than Mechanical Breakdown Insurance. Natural disasters, such as hurricanes or floods, are generally addressed through separate property or auto policies that handle catastrophic events, not mechanical failures.

Thus, engine failure is precisely the kind of issue that is the primary focus of Mechanical Breakdown Insurance, making it the correct choice for this question.