Mechanical Repair Coverage (MRC)

The miles can add up, but the repair costs don’t have to with Mechanical Repair Coverage.

MEMBER’S CHOICE® Mechanical Repair Coverage can help deflect some risk of costly future, covered repairs keeping your vehicle running extra miles and extra years. With different coverage levels to choose from, there’s a plan to fit your family’s budget.

Whether you depend on your vehicle for work or getting your family to school and activities, you need transportation that’s safe and reliable. The older your vehicle, the more it takes to keep it in good working order. Not making small repairs can lead to even more expensive repairs and ignoring other repairs can be dangerous.

To add this coverage, contact us at 210-945-3300.

Choose the MRC plan that's right for you:

  • Gold Plan

    • Engine
    • Transmission
    • Front-wheel drive
    • Rear-wheel drive
    • Steering (except rear wheel)
    • Front suspension
    • Brakes
    • Electrical
    • Air conditioning
    • Basic hybrid/electric vehicle components
    • Seals and gaskets
    • Power seat motor(s) and transmission(s)
    • Power window motor(s) and power regulator(s)
    • Power door lock actuator(s)
    • Instruments and sensors
    • Heater & A/C blower motor
    • Radiator
    • Fuel tank
    • Horn assembly
    • Advanced hybrid/electric vehicle components

  • Platinum Plan

    Along with additional coverage, covers any covered breakdown except items specifically mentioned.

    • High-tech electronics and sensors
    • Entertainment system
    • Safety and security systems
    • Convenience controls


*The $0 deductible option is not available on all coverage levels.

1Program details may vary by state. Ask a Member Services Representative for details or receive a quote by calling 1-800-580-3300.

2Only when a breakdown occurs over 100 miles from home. (Not available to NY residents.)

3Full refund available only if coverage is unused in the first 60 days. If used, refund is pro-rated.

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 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 IL 60604, 1-800-752-6265. 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.