Frequently Asked Questions

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, a protection plan is less expensive than the cost of a single mechanical breakdown.

A vehicle protection plan makes sense if you plan to keep your vehicle past the manufacturer's basic warranty period and want protection against high repair costs. You may also be eligible for more comprehensive coverage and long-term savings when purchasing with lower mileage. Plans typically include benefits such as car rental, trip interruption, and 24/7 emergency roadside assistance.

You may purchase a plan after the original full manufacturer's warranty has expired. Mechanical breakdowns can still occur as vehicles age and accumulate miles. An investment today may protect you from an unexpected and costly repair bill later.

MBA has been an innovator and leading provider of vehicle protection plans for more than fifty years with more than 700,000 satisfied customers. Plans are underwritten by A.M. Best "A" rated insurance companies, and MBA has been a BBB Accredited Business with an A+ rating since 1991.

Specific coverage varies by plan, place of purchase, and the terms of your vehicle service agreement. Please review your agreement and product pages for coverage plans, options, and benefits available to you.

There may be lower-priced plans available, but that does not mean they offer better value. A closer look at coverage and benefits often demonstrates the difference. You might find a lower price—but not necessarily a better value.

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

Yes. If you are the original agreement holder, you may transfer your vehicle service agreement to a private-party buyer for a small fee. See the Current Agreement Holders page for transfer requirements.

Yes. Plans are cancelable at any time. Typically, during the first 30 days if no claims have been filed, you receive a 100% refund of the purchase price. After 30 days, you may cancel and receive a refund on the unused portion. Contact the dealer or producer from whom you purchased first.

Yes. A vehicle protection plan may be financed with the vehicle purchase. If purchased separately, financing alternatives may be available. Contact us with questions.

Receipts must include VIN, year, make, model, dates of service, mileage, and services performed. Maintenance must follow manufacturer requirements.

Take the vehicle to the issuing dealer when possible, or any licensed repair facility in the U.S. or Canada. The facility must contact the Administrator with diagnosis and estimate and obtain authorization before repairs. MBA pays the facility directly less any deductible. Failure to obtain authorization may result in nonpayment.

Plans offer deductible options including $0, $50, $100, and $200 per repair visit—not per item.

When the covered vehicle is inoperable due to a covered breakdown, rental benefits may apply. Retain receipts if you rent independently and submit for reimbursement per your vehicle service agreement terms.

Available 24/7 at 1-800-452-3939. Provide your agreement number and required plan information. Services may include towing, battery service, flat tire change, lockout service, and fluid delivery. Trip interruption benefits may apply depending on your coverage.

Contact us and we can provide an electronic or paper copy.