Mechanical Repair Coverage (MRC)

Additional coverage to protect your vehicle 

Choose a level of coverage that fits your specific needs.

Protect your vehicle's value and cover repair costs

Enjoy 24-hour emergency road side assistance, rental reimbursement and travel expense reimbursement

Choose your deductible: $0, $100, $250 or $500

Limit repair costs to your deductible - no other out-of-pocket expenses

Smart protection for your vehicle

MRC is an optional, supplemental type of auto insurance that covers repair costs for most mechanical parts of a vehicle, helping you avoid spending thousands of dollars out of your own pocket.

Choose your plan

  • Silver plan* covers components within the engine and other areas such as transmission, suspension, brakes, electrical, A/C, seals, gaskets, as well as basic hybrid/electric components.
  • Gold plan* covers everything in the Silver plan, plus power windows, door locks, seats, instrument sensors, radiator, heater and A/C motors, fuel tanks, and advanced hybrid/electric components.
  • Platinum plan* covers everything in the Gold and Silver plans, plus most other types of breakdown, except those specifically excluded in the plan documents.

*See brochure for details. 

Additional benefits

  • Rental reimbursement up to $35/day for 5 days (up to an additional 5 days with verified parts delay) from day one
  • 24-hour emergency roadside assistance up to $100 per occurrence; includes towing, battery jumpstart, fluid delivery, flat tire assistance and lockout service
  • Travel reimbursement up to $200 per day for 1-5 days for food, lodging and rental¹
  • You can cancel for full refund within 60 days²

Want to learn more about MRC?

Don't get stuck with expensive repair costs. Let Monterra Credit Union protect you. See full details in our brochure, give us a call at (650) 363-1725, or stop by your nearest branch.

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 WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., in FL, LA , and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #861338), all located at 175 West Jackson Blvd., Chicago Illinois 60604, 800.752.6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In CA, where Mechanical Repair Coverage is offered as insurance (form MBIP 08/16), it is underwritten by Virginia Surety Company, Inc.  

Coverage varies by state. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions of this voluntary product.  

¹Only when a breakdown occurs over 100 miles from home. (Not available to NY residents.)  

²Full refund available only if coverage is unused in the first 60 days. If used, refund is pro-rated.

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