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Mechanical Repair Coverage

Help protect your vehicle with Mechanical Repair Coverage from BTCU.

You depend on your car. But big unexpected repairs can happen after your factory warranty expires. Mechanical Repair Coverage (MRC) can help you limit the cost of any breakdowns. You pay only the applicable deductible, if any. MRC can help lighten the financial burden for you and the people you care about. Get MRC today so you can worry a little less about tomorrow.

Coverage Benefits

  • Good at any authorized repair facility in the U.S. or Canada.
  • No Out-of-Pocket Expense – except for any deductible – the covered repair is paid by the plan directly to the repair facility.
  • Rental Reimbursement – up to $35 per day for 5 days (or 10 days for a parts delay) from day one.
  • 24-Hour Emergency Roadside Assistance – up to $100 per occurrence. Includes towing, battery jump start, fluid delivery, flat tire assistance and lock-out service.
  • Travel Expense Reimbursement – up to $500 for lodging, food, rental expense when a covered breakdown or collision occurs more than 100 miles from homw.
  • Transferable – if you sell your vehicle privately, the coverage can be transferred (subject to a transfer fee).
  • Cancel for a full refund within the first 60 days (if agreement has not been used) or a pro-rated refund thereafter less an administrative fee.

Learn more > Download MRC Brochure

MEMBER’S CHOICE® Mechanical Repair Coverage is made available to you by CUNA Mutual Insurance Agency, Inc., and is insured by Virginia Surety Company, Inc. Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., in FL, LA and OK , where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #861338), all located at 175 West Jackson Blvd., Chicago Illinois 60604, 800.752.6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In those states where Mechanical Repair Coverage is offered as insurance (form MBIP 08/16) it is underwritten by Virginia Surety Company, Inc. Coverage varies by state. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions of this voluntary product. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates.

Get MRC Coverage Today

Contact a BTCU Lender to get MRC coverage for your vehicle.

Learn More »

Just The Facts

Repairs can be expensive!

Engine: $8,900
Transmission: $5,970
Navigation: $2,140
Steering Gear: $2,105
Timing Chain: $1,735
A/C Compressor: $1,145
Alternator: $1,010
Fuel Pump: $845
Starter: $760

Actual costs may vary by vehicle year, make, and model. Prices based on specific manufacturer-suggested labor and component repair prices for a representative sample of 2016 Asian, Domestic, and European vehicles as reported by a nationally-recognized labor/time publication.


  • Are Not insured by the NCUA or any other federal government agency
  • Are Not deposits of or guaranteed by BTCU
  • May Lose Value