Mechanical Repair Coverage (MRC)

The miles can add up, but the repair costs don’t have to.

MEMBER’S CHOICE^® Mechanical Repair Coverage can help deflect some risk of costly future, covered repairs keeping your vehicle running extra miles and extra years. With different coverage levels to choose from, there’s a plan to fit your family’s budget.

Whether you depend on your vehicle for work or getting your family to school and activities, you need transportation that’s safe and reliable. The older your vehicle, the more it takes to keep it in good working order. Not making small repairs can lead to even more expensive repairs and ignoring other repairs can be dangerous.

To add this coverage, sign in to your Online Banking account to chat with a Consumer Lending Representative or call 210-945-3300.

Benefits of the MRC program include¹:

Choose your deductible: $0², $100, $250, or $500
Limit repair costs to your deductible, if any.
Substitute transportation: Up to $50 per day (10-day maximum); available on the first day of a covered repair; benefit is rental reimbursement and is limited to $35 a day in CA (5-day maximum, 10-day maximum for parts delay.)
24-hour emergency roadside assistance: Up to $125 per occurrence; includes towing, battery jumpstart, fluid delivery, flat tire assistance, extraction assistance and lock-out service; benefit does not include extraction assistance and is limited to $100 per occurrence in CA.
Travel expense reimbursement: Up to $200 per day for a maximum of 5 days for lodging, food and transportation expenses.³
Good at any authorized repair facility in the continental U.S., Alaska, Hawaii or Canada.
No out-of-pocket expense (except for any deductible): The cost of the covered repair is paid directly to the authorized repair facility.
Transferable to increase resale value: If you sell your vehicle privately, the coverage can be transferred for an administrative fee.
Cancel for full refund within 60 days.⁴
Click here for a full list of benefits.

What’s not covered?

Normal maintenance services and parts like batteries, belts, brake pads, exhaust, filters, fluids, wheels, wiper blades, etc.
Body structure and parts like trim, molding, glass, paint, etc.
Abuse, misuse, and lack of proper maintenance
Aftermarket equipment, components, systems or accessories not installed by the manufacturer
Normal wear and tear where no failure has occurred
Pre-existing conditions** and corrosion
Exclusions and limitations apply. See the Vehicle Service Contract or the Insurance Policy for details.

**Not applicable in Georgia

Choose the MRC plan that's right for you:

Gold Plan

The Gold Plan covers components listed below.*

Platinum Plan

The Platinum Plan covers components listed below.*

Engine

Transmission

Front-Wheel Drive

Rear-Wheel Drive

Steering

Front Suspension

Brakes

Electrical

Air Conditioning

Basic Hybrid/Electric Vehicle Components

Seals and Gaskets

Advanced Components

Advanced Hybrid/Electric Vehicle Components

High-Tech Electronics and Sensors

Entertainment System

Convenience Controls

Safety and Security Systems

Miscellaneous Components and More!

Gold Plan

The Gold Plan covers components listed below.*

Platinum Plan

The Platinum Plan covers components listed below.*

Engine

+ -

Transmission

+ -

Front-Wheel Drive

+ -

Rear-Wheel Drive

+ -

Steering

+ -

Front Suspension

+ -

Brakes

+ -

Electrical

+ -

Air Conditioning

+ -

Basic Hybrid/Electric Vehicle Components

+ -

Seals and Gaskets

+ -

Advanced Components

+ -

Advanced Hybrid/Electric Vehicle Components

+ -

High-Tech Electronics and Sensors

+ -

Entertainment System

+ -

Convenience Controls

+ -

Safety and Security Systems

+ -

Miscellaneous Components and More!

+ -

*Components not listed are not covered. Additional parts covered by Platinum Plan must be factory installed. Click here for a complete list of covered components.

¹Program details may vary by state. Ask a Member Services Representative for details or receive a quote by calling 210-945-3300.

²The $0 deductible option is not available on all coverage levels.

³Only when a covered breakdown occurs 100 miles or more from home and your vehicle is held overnight at a repair facility; not available to residents of NY.

⁴Full refund available for an unused agreement within the first 60 days, or a prorated refund thereafter less an administrative fee. Cancellation provision and administrative fees vary by state.

Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in NH, where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX, where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc.

The purchase of Mechanical Repair Coverage is optional. This is general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions and exclusions. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured of like kind and quality.

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Mechanical Repair Coverage (MRC)

The miles can add up, but the repair costs don’t have to.

To add this coverage, sign in to your Online Banking account to chat with a Consumer Lending Representative or call 210-945-3300.

Benefits of the MRC program include1:

What’s not covered?

Choose the MRC plan that's right for you:

Gold Plan

Platinum Plan

Gold Plan

Platinum Plan

Benefits of the MRC program include¹: