What is Mechanical Breakdown Protection?
Mechanical Breakdown Protection (MBP) is an extended warranty that is designed to assist with the cost associated with mechanical breakdowns, not including routine maintenance. For more details on MBP, please visit a Delta Community Credit Union branch or call us at 800-544-3328.
Mechanical Breakdown Protection is not available to residents of CA and MA.
Why do you need MBP?
Did you know that one in three vehicles experiences a mechanical failure in a given year? A typical warranty owner will make several claims during the life of the agreement. Should your vehicle experience a failure after the manufacturer’s warranty expires, you will have no protection from the unexpected repair cost without an extended warranty. These repairs can be estimated from a couple of hundred dollars into the thousands.
Do I need to take my vehicle back to the dealership where I purchased it to have it repaired?
No. you can take your car to any licensed repair shop within the United States and Canada that accepts credit card payments.
Are there any other additional benefits by purchasing MBP?
Yes. Rental Car Reimbursement, Trip Interruption Reimbursement Emergency Roadside Assistance, Paintless Dent Repair and Windshield Repair Protection are included on all coverage levels without an additional fee. Contracts purchased after 6/1/2025 also include Tire and Wheel repair and Key/Fob Protection.
Is MBP transferable if the vehicle is sold and is a prorated refund available?
MBP is transferable for a small fee if you sell the vehicle before the agreement expires or a prorated refund can be received if the protection is canceled.
How do I file a claim?
If your vehicle needs repair, drive or have it towed to any licensed repair facility in the US or Canada and provide the MBP Plan information to the service manager. After the vehicle is diagnosed, the repair facility will contact the claims department to receive repair authorization for all covered repairs. Keep in mind that the repair facility will need approval to diagnose the issue. Approved claims are paid directly to the repair facility via a corporate credit card.
