Skip to main content

Mechanical Breakdown Protection (MBP)

To boost your existing car warranty.

Call for Free Quote 1-800-621-2105, ext 1

Or call 1-800-621-2105

Mechanical Breakdown Protection (MBP)

Get nationwide protection and 24-hour roadside assistance.


Mechanical Breakdown Protection (MBP), also known as an extended warranty, is automobile protection that extends beyond the manufacturer's factory warranty and covers repairs of unexpected mechanical breakdowns. For the period of time the contract is in effect, you are assured that covered components of your vehicle will be repaired in the event of failure, including labor, subject to any applicable deductible.


  • Covers repair costs for covered auto components
  • Can be used for new and used vehicle purchases
  • Includes 24-hour emergency towing and roadside assistance and rental car reimbursement assistance
  • Protects your vehicle nationwide
  • Is transferable if you sell your vehicle before your MBP expires


  • You have a car with higher mileage that needs extra protection
  • You want to reduce the possibility of out-of-pocket expenses when your vehicle suffers an unexpected mechanical or electrical failure
  • You want peace of mind that your investment in your vehicle is protected

What is covered under Mechanical Breakdown Protection?

A woman calling for help because of a broken down car

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.

Call for Free Quote 1-800-621-2105, ext 1

What is not covered?

Father buckling kids into the back seat

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

Is there a difference between Mechanical Breakdown Protection and an extended warranty from a dealership?

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.

Call for Free Quote 1-800-621-2105, ext 1

Can I buy this same type of coverage through my dealer?

A couple setting a destination on their GPS

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.

Call for Free Quote 1-800-621-2105, ext 1

How much does MBP coverage cost and is it worth it for me?

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.

Call for Free Quote 1-800-621-2105, ext 1


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.

Does Elements offer additional auto loan or asset protection coverage?

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.

How do I apply?

3 Easy Steps to Apply

  1. Call us at 1-800-621-2105, 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!