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Auto Mechanical Repair Coverage

Auto Mechanical Repair Coverage (MRC)

MRC is a high-quality, comprehensive coverage that pays for the cost of parts and labor for any covered vehicle mechanical repair. It provides the needed protection at the time your vehicle is most likely to need repairs. With different levels of coverage there is one that is the right fit for you.

Get peace of mind with our Members Choice© Mechanical Repair Coverage. It helps to protect you against many of the costly repairs no longer covered by the manufacturer's warranty. They can be expensive - up to thousands of dollars - and the risk is likely to increase as your miles add up.

It pays for covered repairs (even if those repairs entail a number of procedures) with a small deductible. Our plans are very competitive with most of the extended warranty programs offered by dealers. New or used vehicles qualify, as long as the vehicle has at least one month and 1,000 miles remaining on the original factory warranty. You must enroll in the plan at the time you purchase the vehicle, and the cost can be factored into your HCFCU auto financing if you wish. There are several tiers of coverage available, so please contact a loan officer at any branch for more details about this low-cost, money saving insurance option.

Coverage for any eligible vehicle — new or used

  • Pays for parts and labor for covered repairs
  • Available on eligible new and used vehicles that have at least one month and 1,000 miles of remaining original manufacturer's warranty
  • Available on eligible used vehicles up to 10 years old and 100,000 miles or less
  • Vehicles are eligible even when purchased from private party
  • Transferable to new owners when you sell your vehicle to a private party
  • Cancelable by you at any time on a pro-rate basis
  • Coverage begins at existing vehicle mileage at time of purchase

Fits every budget and need

  • Liberal term and mileage eligibility requirements ranging from 12 months to 84 months
  • Choice of protection and deductible options with a plan to fit almost any driver

Convenient and comprehensive

  • Hassle-free claims - payments made directly to any authorized repair facility in the U. S. and Canada
  • 24-hour roadside assistance
  • Emergency travel expense reimbursement
  • Rental reimbursement up to $30 per day for up to 5 days