Mechanical Breakdown Insurance can save you money from costly repairs

Have you ever heard a strange noise while driving, taken your car to the shop, then been hit with an astronomical repair bill? A breakdown doesn’t have to break the bank if you have the right coverage.

Mechanical Breakdown Insurance (MBI)1 can get you back on the road in no time – with minimal impact to your pocketbook. MBI limits your vehicle repair costs and can provide you with rental car reimbursement and emergency roadside service. There are no out-of-pocket expenses (after any deductible), and you can have your vehicle serviced at any authorized repair facility in the US or Canada.

Key Features

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Robust coverage

Rental vehicle reimbursement and flexible deductibles

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Help when you need it

24-hour emergency roadside assistance

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Protection for your vehicle

Reduce costly repair bills

Convenient and affordable

Use at any authorized repair facility in the US or Canada

Frequently Asked Questions

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Whether you’re comfortable investing on your own, want just a little help, or need a customized investment strategy, Patelco Financial Solutions2 can help you stay on the right track today – and tomorrow. We’ll even provide you with a complimentary financial consultation. Getting started is easy!
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Coverage for the unexpected
Patelco offers insurance solutions3 for every stage of life, so no matter where you or your family are at, we’ve got you covered. Learn more about how you can help protect yourself and those you love.
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Protect your vehicle from the unexpected with MBI.
  • 1  Mechanical Repair Coverage is Mechanical Breakdown Insurance in CA underwritten by Virginia Surety Company Inc. In all other states, Mechanical Repair Coverage is a service contract provided and administered by Consumer Program Administrators, Inc. except in New Hampshire, where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX, where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1.800.752.6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc.

  • 2 Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Patelco Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

  • 3 Insurance products are not deposits of Patelco Credit Union and are not insured by the NCUA. They are not guaranteed by Patelco Credit Union and may be subject to risk. Any insurance required as a condition of an extension of credit by Patelco Credit Union need not be purchased from Patelco Insurance Services and may be purchased from an agent or an insurance company of the member's choice. Patelco Insurance Services is a subsidiary of Patelco Credit Union. Insurance products are offered by Patelco Insurance Services, a California insurance agency (License #0C97544). Any complaints may be filed with the California Department of Insurance at