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Frequently Asked Questions

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What Is a Vehicle Protection Plan?

Vehicle protection plans offer affordable protection against costly and unexpected repairs beyond the manufacturer's or dealer's warranty and are available for both new and used vehicles. In some cases, vehicle protection plans are less expensive than the cost of a single mechanical breakdown.*


Why Should I Buy a Vehicle Protection Plan If My Vehicle Still Has a Manufacturer’s Warranty?

A vehicle protection plan makes sense if you are planning to keep your vehicle past the manufacturer’s basic warranty period and you want additional protection against the high repair costs. In addition, you may be eligible for more comprehensive coverage and the potential for long-term cost savings as the best rates for all coverage plans are on vehicles with lower mileage. Finally, our vehicle protection plans come with the following benefits: car rental, travel expenses for trip interruption, and 24/7 emergency roadside assistance including towing, flat tire assistance, battery service, lost key/lockout services and delivery of emergency supplies of fluids and other supplies.


My Vehicle is Not Under Warranty, but it's Very Reliable. Do I Need a Protection Plan?

You may still purchase a vehicle protection plan after the original full manufacturer's warranty has expired. Mechanical breakdowns are a reality for even the most reliable vehicles which is why manufacturers only offer warranties for a limited period. As your vehicle gets older and accumulates more miles, the likelihood of experiencing a mechanical breakdown increases. An investment in a vehicle protection plan today may protect you from an unexpected and costly repair bill in the future.


Why Should I Purchase an MBA Vehicle Protection Plan?

We have been a innovator and leading provider of vehicle protection plans for more than 35 years with more than 550,000 satisfied customers. All MBA vehicle protection plans are underwritten by A.M. Best "A" rated insurance companies. Additionally MBA has been an Accredited Member of the Better Business Bureau with an A+ since 1990.


What is Covered by My Vehicle Protection Plan?

Specific coverage varies depending upon coverage plan purchased, place of purchase and vendor agreement.  Please review the Vehicle Protection Plans page for more information on the coverage plans, options and benefits available.


Are MBA's Vehicle Protection Plans the Least Expensive in the Market?

There are probably lower priced protection plans available but that does not mean they are a better value. A closer look at the coverage and benefits offered will clearly demonstrate the difference between these plans. Therefore, you might find a lower priced plan but you may not find a better value.


Are There Any Mileage or Year Restrictions?

We offer vehicle protection plans for vehicles up to current plus 15 model years of age. Also, a vehicle must have fewer than 156,000 miles at the time the vehicle protection plan is purchased.


Can I Transfer My Vehicle Protection Plan if I Sell My Vehicle?

Yes, if you are the original vehicle protection plan contract holder you may transfer your contract to private party for a small fee. Please review the Transfers page for additional information and contact us if you have questions.


Is My Vehicle Protectiuon Plan Cancelable?

Yes, vehicle protection plans are cancelable at any time. Typically, during the first 30 days, if you decide to cancel your purchase and no claims have been filed, you will receive a 100% refund of the contract purchase price. After 30 days, you can cancel your vehicle service contract and recieve a refund on the unused portion. Please review your vehicle service contract for more detailed information on cancellations and refunds. Should you wish to cancel your contract, please contact the dealer or producer from whom you purchased your contract first.


Can I Finance the Purchase of My Vehicle Protection Plan?

Yes, a vehicle protection plan may be financed along with the purchase of your vehicle. If your are purchasing a vehicle service contract separately from the purchase of your vehicle, there are a number of financing alternatives available. Please contact us if you have questions.


What Kind of Records Do I Need for Proof of Maintenance?

Receipts for maintenance must include the vehicle identification number (VIN), year, make, and model, dates of service, mileage and services performed. Maintenance services must be performed in accordance with manufacturer requirements.


How Are Repair Claims Processed And Where Can I Get My Vehicle Repaired?

The process is simple, if the covered vehicle experiences a mechanical breakdown, the best alternative is to take your vehicle back to the dealer or producer from whom you purchased your protection plan. In those instances where that is not be a viable option, you may take your vehicle to any licensed repair facility in the United States or Canada. Instruct the dealer or licensed repair facility that they must contact the Administrator with the diagnosis and estimate of repairs and obtain an authorization number prior to proceeding with repairs.


Once the vehicle is repaired, we will pay the repair facility directly, less any deductible (if applicable), by credit card, direct deposit or check. There is no paperwork for you to fill out. However, failure to obtain authorization prior to repairs may result in nonpayment.


What Are My Deductible Options?

Our vehicle protection plans offer a range of deductible options including: $0, $50, $100, and $200. The deductible is per repair visit. Beware of companies that charge a deductible on a per item basis.


How Do I Use My Car Rental Benefit?

Your car rental benefit is available to provide you with a replacement vehicle when the covered vehicle is inoperable due to a covered mechanical breakdown. Many repair facilities have loaner cars or car rental operations onsite. However, if your repair facility does not provide rental cars, contact your local rental car company and retain your receipt. Once your vehicle is repaired, simply submit the receipt for reimbursement. Please refer to your specific vehicle service contract coverage pages for exact terms or contact us if you have questions.


How Do I Utilize the Emergency Roadside Assistance Benefit?

Emergency roadside assistance is available 24 hours a day, seven days a week. Please call 1-888-787-8227 and give the representative the following information: MBA producer code – 21293, your vehicle service contract number (located on the contract and on your identification card) and the plan letter which is “U”. The following services are covered: towing (up to a maximum of 25 miles), battery service, flat tire change, lost key/lock-out service, and fluids delivery. Additionally, if you are more than 100 miles from home we will reimburse you up to $100 per day for up to three consecutive days for meals and lodging if the mechanical breakdown is covered under your vehicle service contract.


I Lost My Service Contract, How Do I Get a Replacement?

You may contact us and we will provide you with an electronic or paper copy.

Guaranteed Asset Protection (GAP)

What Is Guaranteed Asset Protection?

In the event that your vehicle is deemed a total loss, your auto insurance company covers the fair market or actual cash value of the vehicle at the time of loss. The amount you owe your lender may be more than your insurance settlement. This difference may cost you thousands of dollars. GAP covers the difference between your primary insurance settlement and the outstanding balance of your vehicle on the date of loss.


How Many Days Do I Have To Report A Gap Claim?

You have 90 days from the primary insurance carrier’s settlement date to report a GAP claim.


If I Refinance My Vehicle Loan, Will My GAP Contract Transfer To The New Loan?

No, if you refinance your vehicle loan, the GAP contract will automatically be voided and no coverage will be in effect in the event of a loss.


How Do I Cancel GAP Coverage?

Please contact your dealer or the producer from whom your originally purchased your GAP contract and request a cancellation. If this is not possible, you may contact us.

Vehicle Protection Plans

FAQ's Claims Transfers Contract Updates Cancellations Forms