Mechanical Breakdown Insurance

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Next to your home, your vehicle is one of your most expensive investments, and if you're like most people, you keep your vehicle longer than the term of its manufacturer's bumper-to-bumper warranty. Mechanical Breakdown Insurance (MBI) is designed to protect you from high repair costs if your vehicle should have a covered mechanical breakdown.

What is Mechanical Breakdown Insurance?

A mechanical breakdown insurance policy (MBI) is a true insurance product. Like personal auto or homeowner's insurance, the MBI creates a direct relationship between the vehicle owner and the insurance company. The MBI product coverages and premiums are regulated by California's Department of Insurance, assuring a fair price for the coverage provided. Likewise, administrative underwriting and claim handling functions are subject to the review and control of California's Department of Insurance. This type of product regulation provides a higher level of consumer protection over other types of contracts including those that may be issued at the dealership, which are not generally regulated.

Coverage Advantages

  • Deductibles: $0, $50, $100 or $250
  • Easy Payments: 100% of the cost may be included in your EECU auto loan
  • Transferable/Refundable: The coverage may be transferred to a new private owner (with a transfer fee) or may be cancelled and a prorated refund requested
  • Claims Procedure: Your vehicle may be serviced at any licensed repair facility in the United States or Canada, with prior approval
  • No inspection forms to complete

Coverage may be purchased at any time as long as your vehicle is eligible - certain exclusions apply.

Ultimate Guard Coverage

This exclusionary plan extends coverage to virtually all mechanical, electrical and electronic components of your vehicle. Vehicles are eligible if they are the current + eight model years old or newer with 100,000 odometer miles or less.

View a sample Ultimate Guard Schedule of Coverages

Preferred Guard Coverage

This plan has broad coverage including transmission, drive axle, brakes, and electrical components. Vehicles are eligible if they are the current + 10 model years old or newer with 140,000 odometer miles or less.

View a sample Preferred Guard Schedule of Coverages

Classic Guard Coverage

The basic powertrain plus coverage covers engine, turbo/supercharger, transmission, drive axle assembly, cooling and electrical. This plan is available on any age/mileage vehicle.

View a sample Classic Guard Schedule of Coverages

This is a general outline of the MBI product. Please refer to the policy/certificate for the exact details of specific coverages, terms, exclusions, and conditions.

For more information on MBI or for a free quote, visit any of our convenient branch locations, or contact the EECU Member Service Center at (559) 437-7700 or 1-800-538-3328.

MBI is not an obligation of EECU or guaranteed by EECU, even though an EECU employee may assist you with MBI and EECU loan proceeds may be used to pay for MBI. Any disputes regarding MBI must be resolved between the purchaser and the insurance carrier.

EECU CA License # 0711830

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