Download Brochure Mechanical Breakdown Insurance

Mechanical Breakdown Protection (MBP)

Also referred to as Major Mechanical Protection (MMP)

Don’t let a Mechanical Breakdown Break your Wallet

Ever notice how your vehicle tends to need costly repairs after the factory warranty has expired? Next time you’re financing a vehicle with us, consider purchasing Mechanical Breakdown Protection (MBP). This coverage will protect you long after your warranty has expired, and it may cost a lot less to purchase it through Kinecta Federal Credit Union than through a dealer.

MBP* includes major component coverage – engine, transmission, front and rear wheel drive, front suspension, steering, electrical and air conditioning, as well as rental car reimbursement and 24-hour roadside assistance. Unlike other warranty programs, MBP allows for service at the repair facility of your choice in the United States and Canada. Also, coverage is transferable to a new owner, which adds to the resale value of the vehicle. There are various levels of coverage, giving you the opportunity to choose a plan that meets your specific needs. The cost of coverage can be included in your monthly vehicle payment or purchased separately.

*Coverages vary and may not be available on all plans.

Contact us

Call us at 800.854.9846, to discuss how MBP can help protect you against high vehicle repair costs for your new or used vehicle.


Note: The purchase of MBP is subject to approval.

Plans are available for most new and used domestic and imported vehicles. Speak to your loan officer or service representative for vehicle eligibility criteria and more details.

MBP is considered insurance in some states. Your purchase of MBP is optional. Whether or not you purchase MBP will not affect your application for credit or the terms of any existing credit agreement you have with Kinecta. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under MBP. You should carefully read the contract for a full explanation of the terms.

Mechanical Breakdown Protection is not a product of Kinecta Federal Credit Union. Product is administered by Southwest Business Corporation (SWBC).