Mechanical Breakdown Protection (MBP)

Once your vehicle’s factory warranty expires, it is no longer covered if it experiences an unexpected mechanical breakdown. Mechanical Breakdown Protection, also known as an extended warranty, can replace that protection.

Elements offers three Mechanical Breakdown Protection (MBP) options. Your vehicle’s year and mileage will determine which MBP coverage you qualify for. Give us a call at 1-800-621-2105, ext 1 to review the options.

While every Mechanical Breakdown Protection option offered by Elements is slightly different, in general, it covers failure of major vehicular systems, including your:

• Engine
• Drivetrain
• Transmission
• Brakes
• Exhaust
• Power System

The average vehicle contains over 15,000 parts — too many to list! So give us a call for more detailed information on what’s covered.

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Extended auto warranties like Mechanical Breakdown Protection are a way to pay for expensive mechanical repairs, but they don’t cover everything. MBP does not cover routine car-maintenance expenses — such as oil changes and tire rotations — or damage caused by either poor maintenance or accidents.

Mechanical Breakdown Protection does not cover:

• New filters
• New sparkplugs
• New brake pads
• New tires
• Adding fluids (coolant, oil, wiper fluid, etc.)
• Other major repairs categorized as normal maintenance

They are actually different names that mean the same thing, so you can use the terms interchangeably. There are, however, usually significant differences in the value of the warranty offered by Elements and warranties offered by dealerships. See the next question for further details.

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Yes and no. Dealerships do offer extended warranties, but there are usually significant differences in the value of the warranty offered by Elements and warranties offered by dealerships. Usually, Elements’ Mechanical Breakdown Protection is less expensive, offers better coverage, is more flexible, and has a $0 deductible.

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Costs of Coverage

The cost for Mechanical Breakdown Protection (MBP) varies based on your vehicle year, make, model, mileage, and other factors. We’ll need to know these things before we can provide you a quote. Our deductible is always $0, though, so that’s something you can know for sure! 

Like other types of coverage, whether or not MBP is worth it is completely up to your situation. To get a quick customized quote, call us at 1-800-621-2105, ext 1.

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The Cost of Repairs

Did you know that one in three vehicles experiences a mechanical failure in a given year? The typical extended warranty owner will make several claims during the life of a contract. Without an extended warranty, if your vehicle experiences a failure after the manufacturer's warranty expires, you will have no protection from the unexpected repair costs that can be in the thousands of dollars.

Vehicles today are growing extremely complex and contain high-tech sensors, electronics, and computers that suffer unexpected failure and need to be replaced. While engines and transmissions are more reliable than ever, it's these other sophisticated parts that frequently fail. As vehicles become increasingly more complex, associated repair costs rise dramatically. 

MBP can provide protection against costly repairs and give you peace of mind.

Normally, MBP is financed in with your Auto Loan. You may be able to pay the full MBP fee upfront in one payment.

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Yes. As your financial wellness providers, we want to make sure that you’re covered, no matter what may happen. To protect your purchase, the following additional programs are available and can be wrapped into your monthly payments:

• Guaranteed Auto Protection (GAP) is protection designed to eliminate your unpaid net loan or lease balance in the event your vehicle is stolen or damaged beyond repair. Learn more.
• Debt Protection protects your credit rating during uncertain and stressful times. Your loan payment will be cancelled or suspended for a period of time without penalty, added interest, or being reported as delinquent to the credit bureau when a covered event occurs. Covered events include death, disability, involuntary unemployment, family leave and hospitalization. Learn more.

3 Easy Steps to Apply

1. Call us at 1-800-621-2015, ext 1 to get started. Have ready: Your vehicle's VIN or year, make, and mode, Your vehicle's current mileage, information on the loan you used to purchase the vehicle, if applicable
2. Take our call - We'll contact you within one business day after you submit your application to go over what documentation we'll need and to answer your questions. 
3. That’s it! - We'll contact you with a decision within two business days. Once your application is approved, we’ll contact you to sign documents and then you are protected with MBP!