When purchasing or refinancing your vehicle, consider what your plan will be if you encounter a pricey repair. Not everyone is going to be able to drop a few grand on a new suspension system or cover other expensive repairs like a new transmission or engine.
mechanical breakdown protection
Don’t spin out from costly repairs. Mechanical Breakdown Protection with SunWest is the extended warranty to get you cruising again for less.
features you can appreciate
$0 deductible
24/7 roadside assistance
road hazard protection
rental assistance
extend your protection
meet mbp: mechanical breakdown protection
With Mechanical Breakdown Protection from SunWest, a breakdown isn’t the end of the line, and we’ll get you back on the road in no time.
for example, let’s say your transmission dies and needs to be replaced
without mbp
Towing Service: $100
Rental Car: $180
New Transmission: $2,700
with mbp
Towing Service: $0
Rental Car: Reimbursed
New Transmission: $0
Your costs come to $2,980, plus any additional shop or parts fees.
Let's say your MBP plan costs $1,800. It would cover the tow, rental, new parts + labor, saving you $1,180.
mbp coverage benefits
mbp claims process
We know if you’re making a claim, your head might be spinning out, overwhelmed by everything. Let’s break the claims process down, so you know what comes next.
1.
contact the claims department before any work is done on your vehicle.
Your MBP representative will review fair pricing for the work and pay the licensed mechanic of your choice directly.
2.
if not already at a shop, choose your licensed repair shop + let’s take care of business.
Have your MBP service agreement with you, and let your mechanic know that you have coverage. The shop will work directly with our claims department to authorize work and provide payment to the shop.
love your vehicle longer
Taking care of your vehicle can be costly, and if you’re not a mechanic yourself, it can be tough understanding those costs and how to keep them down. Mechanical Breakdown Protection means you have someone in your corner. Always.
more protections to keep you covered
avoid the gap of negative equity
Your insurance will pay out up to the current value of your vehicle. Since vehicles depreciate quickly in value, this is often not enough to cover the full amount of your payoff. Guaranteed Asset Protection covers the difference, so you aren’t out buckets of cash.
keep your positive equity
If you saved up for a down payment on your new car, or you wheeled and dealed with the dealer for a large trade-in, you don’t want to lose the equity you’ve built up. Protect it with Depreciation Protection Waiver (DPW).
compare insurance for the best rate
Financed vehicles have specific insurance requirements, such as full coverage. Have a TruStage representative review the requirements necessary to avoid any loan penalties, as well as to compare rates for the best deal.
MBP FAQ
What is the difference between MBP +
an extended warranty?
The terms can be used interchangeably. However, extended warranties through dealerships are often more expensive for less coverage. Just another way it pays to be a credit union member.
Is an extended warranty worth it?
An extended warranty, or MBP, through SunWest covers many costly issues that vehicles can run into and provides peace of mind to car buyers. The older a vehicle gets + the more use it gets, the more likely something is to break down, so MBP is perfect for those who intend to keep the vehicle for a long time, are buying a used vehicle, or have a vehicle with high mileage (or plan to use it frequently).
What is covered under MBP?
MBP typically covers major unexpected mechanical and electrical failures.
What is not covered under MBP?
MBP typically doesn’t cover costs that are considered general maintenance such as fluid replacements, brake pads, filters, sparkplugs, etc.
What factors are looked at to price my MBP plan?
When pricing out your plan options, we’ll review your vehicle’s year, make, model and mileage.
What if I already have a manufacturer’s warranty?
If you have a manufacturer’s warranty, you can still get an extended warranty with MBP as well, and this often reduces the price of your MBP plan. A manufacturer’s warranty is a great benefit, but they typically don’t last long and are very limited on what they cover.
How does adding MBP affect my loan payment?
Adding MBP to your loan will increase your monthly payment. However, we also give you the option to extend your loan term by 3 months with no change to your interest rate.
Can I purchase MBP policies out-of-pocket
versus financing it into the loan?
Yes! If you have expendable funds to pay for a policy out-of-pocket, you’ll save money on interest and have a lower monthly payment.
Can I cancel MBP and get a refund?
You can cancel your MBP within 60 days for a full refund. Cancellations after 60 days will receive a prorated refund.