(800) 956-3728 Mechanical Protection
How many times have you heard stories about cars breaking down right after the warranty expires? Our guess is “too many,” which is why you need Mercury Mechanical Protection.
For Mechanical Protection service or sales
call (800) 654-8455.
Get the Most Out of Your Vehicle with Mechanical Breakdown Insurance (MBI) Insurance
Mechanical car trouble can be expensive, unpredictable, and stressful. Mercury Insurance offers MBI insurance—also known as mechanical breakdown insurance, vehicle maintenance insurance, or vehicle breakdown insurance—to help you manage those unexpected repair costs. While standard auto insurance typically only covers accident-related damage, Mechanical Protection is an auto protection plan designed to cover mechanical failures that happen during everyday use.
It’s important to note that MBI insurance doesn’t cover general car maintenance like oil changes and tire rotations. Instead, it helps pay for sudden, costly repairs due to engine, transmission, or electrical system failures.
Whether you drive a new car or a well-loved used one, Mercury’s Mechanical Protection Plan offers an affordable way to stay ahead of costly repairs and keep your car on the road longer.
Ready to protect your vehicle?
Call (800) 654-8455 to get a Mechanical Protection Plan today.
After purchasing an extended warranty on my past vehicle and having a horrible experience I was skeptical to purchase this warranty on my new-to-me 08 Avalanche. I am beyond happy/satisfied with this Mercury ext. warranty and it has already paid for itself after having very unexpected issues with my ‘new truck.’ Thank you for being one of the few companies that stand by what you sell and making sure the customer is taken care of.
Mechanical Protection Plan Options
Mercury can help extend the life of your vehicle with a mechanical auto insurance policy designed to protect you from unexpected breakdowns, giving you auto protection coverage you won’t get from a basic policy. This type of automotive mechanical insurance is available for both new and pre-owned vehicles and typically costs much less than the extended warranties sold by dealerships or manufacturers. Mercury has provided Mechanical Protection since 1974, and other lines of property and casualty business since 1962 – you can rest assured that Mercury will be there when you need it.
The best part about choosing a Mercury Mechanical Protection plan is that you’ll also receive a variety of additional benefits at no extra charge, including:
- 24-hour Roadside Assistance
- Rental Vehicle Assistance
- Road Hazard Tire Protection
- Trip Interruption Coverage
- Nationwide Protection
- Choice of any licensed U.S. repair facility to fix your vehicle
- Transferable coverage
If you recently purchased a new or used vehicle or if your warranty is about to expire, speak with one of our agents today. It will only take a few minutes and could save you thousands of dollars down the road.
Your Questions Answered
What is mechanical breakdown insurance?
Mechanical breakdown insurance (MBI) is a type of coverage that helps pay for the cost of unexpected vehicle repairs when your car suffers a mechanical failure, especially after the manufacturer’s warranty expires. It’s sometimes referred to as engine and transmission insurance, since those are among the most expensive components it’s designed to protect.
What does mechanical breakdown protection cover?
Mechanical breakdown protection covers the repair costs for unexpected failures of your vehicle’s major mechanical and electrical components. While coverage may vary depending on the specific plan, most policies include protection for:
- Engine components (e.g., crankshaft, pistons, timing gears)
- Transmission systems (automatic and manual)
- Drive axle assemblies
- Electrical systems (e.g., alternator, starter, wiring harnesses)
- Air conditioning and heating systems
- Fuel delivery systems
- Steering and suspension components
- Brake systems (excluding routine wear items like pads)
What doesn’t Mechanical Protection cover?
Mechanical breakdown coverage does not cover routine tune-ups or non-mechanical items such as vehicle trim or molding. It also doesn’t cover damages related to normal wear and tear items or the car owner’s poor maintenance practices, like infrequent oil changes or using the wrong type of fuel.
Is mechanical breakdown insurance for used cars?
Yes, mechanical breakdown insurance (MBI) can absolutely be a smart choice for used cars, especially as they get older and more prone to unexpected repairs. In fact, MBI is usually more valuable for older cars that are no longer covered by a factory warranty. If you’ve recently bought a pre-owned vehicle or are driving a car that’s a few years old, MBI can help protect your budget from surprise costs, like engine trouble, transmission issues, or electrical system failures.