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Mechanical Breakdown Protection (MBP)

Protect Your Vehicle and Your Budget

Vehicles today contain high-tech sensors, electronics and computers that frequently suffer unexpected failure and can be expensive to replace. We offer low-cost Mechanical Breakdown Protection* to help keep you from incurring these added expenses.

woman standing by her car holding keys

Mechanical Breakdown Protection or extended warranty is automobile protection that extends beyond the manufacturer’s factory warranty and covers repair of unexpected mechanical or electrical failures. MBP will give you peace of mind that your car is covered in the event of a breakdown.

Features and Benefits


Emergency Roadside Assistance

  • Included in all packages
  • Towing, jumpstart, flat tire change, essential fluid delivery and locksmith
  • Covers up to $100 in above services once every 72 hours

Rental Car Reimbursement

  • Included in all packages
  • For covered component failure
  • Up to $50 per day, maximum of 5 days
  • $250 value

Travel Expense Reimbursement

  • Included in all packages
  • Covers hotel and restaurant expenses
  • Up to $250 per day, maximum of 5 days
  • $1,250 value

Windshield Repair

  • Included in all packages
  • Covers cost of repairs to front windshield (for cracks less than 6 inches in length) caused by road debris
  • Up to 5 windshield repairs per contract

Paintless Dent Repair

  • Included in all packages
  • Up to 5 repairs per contract

VIP Anniversary Benefit Pak

  • Included in all packages
  • One calendar year after MBP purchase date, you receive a one-time reimbursement for each of the following (receipts required within 60 days of expense):
    • Battery Replacement Refund: Up to $75 (does not apply to hybrid/electric vehicle battery packs)
    • Gas Refund: Up to $50
    • Oil Change Refund: Up to $30
    • Car Wash Refund: Up to $20
  • $175 value

Luxury Electronics Coverage

  • Ultimate and Preferred packages only
  • Driver Assist Tech
  • Covers Blind Spot Assist, Lane Keep Assist, Collision Avoidance Systems, Dynamic Cruise Control and more
  • Infotainment System

Key Guard

  • Ultimate package only
  • Key replacement, includes key fobs (up to $800 per year)
  • Additional key replacement (up to $200 per occurrence)
  • Home lockout assistance ($85 per occurrence)

Tire and Wheel Road Hazard Protection

  • Ultimate package only
  • Repair or replacement of tires and wheels which become unserviceable due to a road hazard
  • Tire Benefit: $200 per occurrence
  • Wheel Benefit: $200 per occurrence
  • Cosmetic Wheel Benefit: $150 per occurrence
  • Coverage for up to four occurrences for each benefit, for the life of the contract
  • $2,200 value

Getting a Car Loan with Delta Community?

Don’t let expensive repair bills leave you stranded financially, ask your representative how to include our low-price Mechanical Breakdown Protection coverage with your loan.

*Enrollment in Mechanical Breakdown Protection is voluntary and not required to obtain a loan.  Additional disclosures will be provided describing terms, conditions, refunds and cancellations.  Please contact a Delta Community loan officer for additional information on benefit maximums, eligibility, limitations and a copy of your contract. Mechanical Breakdown Protection is not available to residents of CA and MA. Mechanical Breakdown Protection is offered through Members Insurance Advisors, LLC a wholly owned subsidiary of Delta Community Credit Union.