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In Observance of Presidents' Day all MCU branches, and our contact center will be closed Monday, February 19.

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How Is MBP Different from an Extended Warranty?

Mechanical Breakdown Protection (MBP) gives you far better coverage and is more affordable than a typical extended warranty from a dealer.

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Available for Both New and Used Vehicles

No matter your vehicle’s mileage, make, or model year, access affordable services for mechanical and electrical vehicle failures that can happen to any vehicle.

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More Up-Front Savings

MBP will often save you money over an extended warranty because the cost is covered through small premiums charged per each policy period—instead of a large up-front payment.

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Choose Your Own Repair Shop

With MBP, you aren’t limited to only having your vehicle repaired at a dealership. Mechanical Breakdown Protection allows you to get your car repaired at a licensed repair shop of your choice.

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Overcome Common Roadblocks for New or Used Vehicles.

Mechanical Breakdown Protection will cover you for the increasingly high cost of repairs and associated labor costs for any mechanical and electrical vehicle failures that happen on the road.

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24/7 Roadside Assistance

Mechanical Breakdown Protection includes complete roadside assistance 24/7, providing assistance for flat tires, battery jump start, fuel delivery, lockout service, and towing.

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Towing & Rental Car Allowance

A breakdown can leave your car in the shop for a while—and your wallet empty. Enjoy a towing and rental car allowance, so your life isn’t interrupted if your vehicle ends up needing work.

 

 

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Consequential Damage Coverage

A consequential loss is an indirect adverse impact caused by damage to your vehicle. Mechanical Breakdown Protection protects you against the associated costs of consequential damage to your vehicle so you can get back on the road.

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Electronic Components Coverage

Auto industry experts estimate that there are roughly around 1,000+ chips in a non-electric vehicle and twice as much in an electric one. Mechanical Breakdown Protection covers electronic components in case of an electrical malfunction.

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Trip Interruption

Get reimbursed for meals and lodging due to mechanical breakdown while you’re away from home. Mechanical Breakdown Protection covers how you get around while you travel.

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Flat Tire Change

If you don't know how to change a flat tire (or hope you never have to), don't worry—tire changes are included in your Mechanical Breakdown Protection.

Serving All the Heroes in Our Community with Better Banking

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No Matter Where You Are in Life, We’re Right There with You

At MCU, we believe that a credit union should be a lifelong source of financial education and support—from planning for college to saving for retirement and everything in between.

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Make the Most of Your MCU Membership.

Membership in our community is about more than just banking. As an MCU member, you can access valuable information and resources to help you plan and reach your financial goals.

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FAQs

A Lot Can Happen on the Road—Check Out FAQs for MBP.

Do Roadside Assistance personnel respond to accidents?

In the case of a serious accident, you should call 911 or other emergency responders. Roadside Assistance personnel can tow your car from the scene of an accident, or assist you if you get a flat tire or run out of gas before you can fill up your tank.

Does Mechanical Breakdown Protection replace car insurance?

No, Mechanical Breakdown Protection is additional insurance which can cover mechanical issues that are typically not covered by regular car insurance.

Does Mechanical Breakdown Protection pay for repairs and maintenance?

While Mechanical Breakdown Protection does not cover routine maintenance, it will cover many types of repairs that your vehicle might need.

How many times can I use my Mechanical Breakdown Protection?

You can use your Mechanical Breakdown Protection as many times as you need, as long as you are within a set number of years and number of miles on your vehicle.

Does my family get to use Mechanical Breakdown Protection?

Yes! Since Mechanical Breakdown Protection covers the vehicle itself, anyone who drives that vehicle can use the policy to pay for covered repairs.

Ready to Join the MCU Community?

Gain access to the products and services that help our members create a foundation for an exceptional financial future—such as competitive rates, personalized service, and educational resources to stay in control of your finances.

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