Q. When my car needs service or warranty work, where do I bring it?
A. You are free to bring your car to any service center with which you are comfortable. Warranty work,
however, is usually performed by a dealership. And if you have Mechanical Breakdown Protection (MBP), you are free to
bring your vehicle to any licensed service center in the United States.
Q. What is Mechanical Breakdown Protection?
A. Mechanical Breakdown Protection, or MBP, is like a health insurance policy for your car. Whether your
car is new or pre-owned, MBP insulates you from the financial burden of potentially expensive automotive repairs. Best
of all, you can bring your vehicle to any licensed repair facility in the United States.
Q. Why do I need Mechanical Breakdown Protection?
A. Everyone knows that auto repairs can be very expensive. And when a car racks up a lifetime of road
mileage, the likelihood of a repair looms even larger. MBP protects you against such expenditures and extends your
car's life.
Q. Is any vehicle eligible for MBP?
A. Most, but not all, cars are eligible for MBP. In order to be eligible, your car must:
- Be less than 10 years old
- Have fewer than 90,000 miles on its odometer
- Be free of modifications that don't meet manufacturer specifications such as lift kits, etc.
- Not be a commercial of salvaged vehicle
- Not be a truck or van that is rated greater than one ton.
Q. When can MBP be purchased?
A. MBP can be purchased at any time, subject to eligibility requirements. But since premiums are partially
based on the vehicle's age, the sooner you purchase MBP, the more affordable it will be.
Q. Will my vehicle require an inspection?
A. No. However, all vehicles with over 50,000 miles will be subject to a 30-day and 1,000 mile waiting period.
Repairs incurred during this waiting period are not eligible for coverage.
Q. What about deductibles?
A. MBP coverage is available with deductibles of $0, $50, $100, and $200.
Q. Can the MBP policy be transferred if I sell my car?
A. Yes! Just make a transfer request within 30 days of selling your car and pay a basic $50 fee to the
policy administrator. MBP helps increase the value of the vehicle at the time of resale.
Q. Who is the insurance company?
A. General Fidelity Insurance Company. Rated A (Excellent) by A.M. Best.
Q. Can I cancel the policy?
A. Yes. The entire amount paid will be refunded if the request is made within the first 60 days from the
effective date and no claims have been filed. If the cancellation is requested after the first 60 days or a claim has
been filed, a partial refund is available. This amount is determined according to the pro-rata method reflecting the
greater of the days in force or the miles driven based on the term of the plan selected and the policy effective date,
less any claims paid, less a $25.00 administrative fee.
Q. How does the claims process work?
A. The following steps outline the basic claims process:
- Bring your vehicle to a licensed auto mechanic in your area.
- The mechanic will inspect the vehicle and prepare an estimate for the MBP claims representative.
- After authorized repairs are made, you pay the deductible to the repair facility and the insurance company
will pay the remaining amount.
Q. What are the available MBP packages?
A. MBP is available in four packages: Standard, Classic, Elite, and Premier.
Q. What does the Standard MBP Package include?
A. The Standard MBP package includes:
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Engine (including diesels):
Cylinder block, cylinder head(s) and all internal lubricated parts
contained within the engine including: Pistons; piston rings; connecting rod bearings; crankshaft; crankshaft
main bearings; camshaft; camshaft bearings; cam followers; timing chain or belt; timing gears, guides,
tensioners, rocker arms; rocker shafts; rocker bushings; cylinder head valves; valve guides; valve lifters;
valve springs; valve seals; valve retainers; valve seats; push rods; water pump; oil pump and oil pump
housing; harmonic balance; oil pan; timing chain cover; intake and exhaust manifolds; valve covers; engine
mounts; seals and gaskets. Rotary engine coverage. Rotor chamber and all internal parts.
Turbocharger/Supercharger (if factory installed):
Turbocharger/Supercharger housing and all internal parts; seals and gaskets.
Transmission (Automatic or Standard):
Transmission case and all internal parts plus; torque converter; flywheel/flex plate; vacuum modulator;
electronic shift control unit; transmission mounts; oil pan; seals and gaskets.
Transfer Case:
Transfer Case and all internal parts; seals and gaskets.
Drive Axle (Front and Rear):
Drive Axle Case; All internal parts contained within the drive axle; locking hubs, drive shafts, center
support bearings, universal joints; constant velocity joints; axle bearings; four-wheel drive actuator;
differential cover; seals and gaskets.
Q. What does the Classic MBP Package include?
A. The Classic MBP package includes Standard coverage along with the following:
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Steering:
All internal parts contained within the steering box; rock and pinion gear; power steering pump; power
steering hoses; steering knuckles; pitman arm; idler arm; tie rod and tie rod ends and drag link; steering
dampner; upper and lower steering column shafts and couplings, including internal tilt-wheel mechanism;
steering box and rack and pinion gear housings; seals and gaskets.
Rear Wheel Steering:
Rear steering shaft and couplings; power cylinder and pump; electronic control unit/solenoid; phase control
unit; stepper motor; steering box; control valve; rack; tie rod ends; seals and gaskets.
Brakes:
Master cylinder; power brake cylinder; vacuum assist booster; hydra booster; disc brake caliper; wheel
cylinders; compensating valve; brake hydraulic lines and fittings; hydraulic control unit; seals and gaskets.
The following ABS parts are also covered: Electronic control module, wheel speed sensors; hydraulic pump/motor
assembly; pressure modulator valve/ isolation dump valve; ABS relays; accumulator; seals and gaskets.
Electrical:
Alternator; voltage regulator; starter motor; starter solenoid and starter drive; main engine compartment
wiring harness; ECM/PCM; electronic ignition module; crank angle sensor; knock sensor; ignition switch;
ignition switch lock cylinder; front and rear window wiper motor, P.C. Board, washer pump and switch; stop
lamp switch; headlamp switch; turn signal switch; heater/A.C. blower speed switch; manual heater/A.C. control
head; horns; and power door motor.
Air Conditioner:
Condenser; compressor, compressor clutch and pulley; air conditioning lines and hoses; evaporator; idler
pulley and idler pulley bearing; high/low compressor cutoff switch; expansion valve; pressure cycling switch;
seals and gaskets.
The following parts are also covered if damaged by a covered part listed above:
Accumulator/Receiver dryer; orifice tube; oil and refrigerant.
Front and Rear Suspension:
Upper and lower control arms; control arm shafts and bearings or bushings; upper and lower ball joints; radius
arm and bushings; torsion bars and mounts or bushings; stabilizer bar, links and bushings; struts (excluding
cartridge inserts); strut bearing mount/plates; spindle and spindle support; hub or wheel bearings; and seals
and gaskets. Variable dampening suspension: compressor; control module, air bags; actuator, solenoid; height
sensor; mode selector switch; seals and gaskets.
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Q. What does the Elite MBP Package include?
A. The Elite MBP package, includes Standard and Classic coverage, along with the following:
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Fuel Delivery:
Fuel pump; fuel injection pump and injectors; vacuum pump, fuel tank; fuel tank sending unit, metal fuel
delivery lines.
Cooling:
Radiator cooling fan and motor; fan clutch; belt tensioner, radiator; heater core; thermostat; blower motor,
heater control valve.
Enhanced Electrical:
Automatic climate control programmer; electronic instrument cluster; mileage computer distributor; ignition
coil; electronic combination entry system (does not include transmitters and receivers for remote locks);
cruise control module, transducer, servo and amplifier; headlamp motor; power window motor; power seat motor;
power mirror motor; power antenna motor/mast assembly; convertible top motor; power sunroof motor; power
window switch; cruise control engagement switch; power seat switch; power mirror motor switch; rear defogger
switch; power door lock actuator and switch.
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Q. What does the Premier MBP Package include?
A. This is the most comprehensive MBP package. It includes Standard, Classic, and Elite coverage, along with
the following:
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Luxury Package Factory Installed:
CB Radio, radar detector, stereo equalizer, on board global positioning system, fax modem, built-in TV and
VCR, video game system, factor installed computer system including printer.
Interior and Exterior Appointments:
Bumper energy absorber; hood latch and cable; trunk latch assembly; door locks, latches and hinges; ash try
assembly; seat tracks; shift lever; steering wheel; speedometer head and cable; glove box lock; cigarette
lighter; factory installed roof rack; factory supplied wheels; jack.
We will pay or reimburse you for reasonable costs to repair or replace any breakdown of all mechanical or
electrical parts except those excluded under the terms and conditions contained in the policy. Failure to
non-covered components by covered components and covered components by non-covered components are covered.
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1.800.234.6999
