Mechanical Protection Plan

• Variety of Warranty Plans
• Alternative Service Contracts
• Roadside Assistance
• Financing Options
• Disappearing Deductible Option
• Cancellation Policy

Variety of Warranty Plans

MPP offers vehicle service contracts, sometimes referred to as extended warranties. 

It's not a factory warranty. It's not really an extended warranty, bumper to bumper, or powertrain warranty policy. 

Unlike a factory warranty, a vehicle service contract is automatically included when you buy a car. It's a separate protection contract. The payment structure includes premiums and deductibles. You can have a VSC even when your warranty has run out. 

When you buy a new car, it comes covered by a manufacturer's warranty. An MPP extended service contract covers potential issues than a vehicle's basic manufacturer coverage does. This company's protection plans include parts and labor on over 1,500 components (Platinum) when they fail due to regular use, wear, and tear. 

Are you worried that an extended warranty will leave you paying for coverage that you already get for free through your car's remaining warranty policy? 

MPP's website states, "You never pay for double coverage; if you purchase an extended service contract during the manufacturer’s warranty, that coverage is taken into consideration when rates for your contract are determined."

If you shop at a dealership network that offers a Mechanical Protection Plan, your selection of plans and products will vary based on your location and the car you are purchasing. 

All Mechanical Protection Plan options include the following benefits: 

• Emergency roadside assistance and towing benefit
• Disappearing deductible option
• Rental car reimbursement — up to $35 per day

There are multiple coverage levels for both new and used vehicles. The more expensive and elite plans include optional add-on packages, which add benefits like maintenance services, including scheduled oil changes and tire rotation service. 

MPP Plan Customization Packages

MPP vehicle service contracts are customizable. Adding one of the following service packages will give you ongoing, prepaid maintenance: 

• Elite — Covers components that require routine replacement, like lightbulbs, belts, hoses, wiper blades, and even your car's battery and brake pads
• Care — Covers manufacturer recommended maintenance, including oil and oil filter changes, tire rotations, and chassis lubrication
• Care Elite — Combines Elite plan's coverage of commonly replaced components with Care's ongoing maintenance coverage

MPP Used Car Plans

Mechanical Protection Plan offers several different varieties of vehicle service contracts for used and certified pre-owned cars. 

MPP New Car Coverage Plans

Warranty coverage for a new car purchase adds more protection to your factory warranty. MPP's warranty policies for new cars cover parts and labor on more than 1,500 components.

Alternative Service Contracts 

In addition to car warranties, a variety of alternative protection products are available through a Mechanical Protection Plan. These include the following: 

• Wear and tear coverage for leased vehicles
• Anti-theft protection (OnGard or Skylink)
• MPP Motor Club
• RV coverage
• Boat and other marine vehicle coverage
• Heavy-duty and commercial vehicle coverage

Roadside Assistance

Your vehicle's extended service plan even comes with emergency roadside assistance, covering $100 max per service, like the following: 

• Battery jump-start assistance
• Spare tire help
• Lockout assistance
• Fuel delivery when you run out of gas
• Towing services

Financing Options

Another thing that you have to consider when looking for mechanical coverage offered by an extended warranty is how you will pay for it. With MPP vehicle service contracts, you have two payment options. If you are financing, you can include it in your loan. Or you can finance separately and pay out over your term's plan.

Disappearing Deductible Option

With a vehicle service plan from MPP, you may be eligible for a Disappearing Deductible plan if you have the covered mechanical failures repaired at the dealership where you purchased it. 

Refundable and Transferable Policies

Mechanical Protection Plan's services can be canceled or transferred. So, if you decide you don't want the policy anymore, you sell or trade-in your car before your contract ends, you aren't stuck paying for something that you no longer need.

Cancellation Policy

If you decide to cancel within 30 days of your purchase, you are eligible for a full refund, if you haven't made a claim yet. 

After your 30-day grace period has ended, you can still cancel. Your refund will be less a $50 fee and prorated based on how much time has elapsed. This policy is helpful if you wish to trade-in your vehicle or sell it before your contract ends. 

Transfer Policy

MPP plans are fully transferable, meaning that you can sell your car and transfer the coverage to its new owner. The ability to offer buyers a vehicle already covered by an extended warranty can help your listing stand out. 

• Limited Availability
• Online Presence
• Confusing Plan Structure
• Contact Dealer for Cost

Limited Availability

This third-party warranty company offers its service contracts through partner dealerships in just ten states. Eligibility is minimal. 

Unfortunately, MPP service contracts only available to consumers making a vehicle purchase at participating dealers in the following states:

• Arizona
• California
• Florida
• Georgia
• Illinois
• Indiana 
• Missouri
• Nebraska
• New Mexico 
• Texas

They don't have to be repaired in those states, though. Your MPP contract can cover repairs at nationwide dealerships and authorized ASE certified repair facilities. 

Online Presence

This company has been serving customers since 1979. While it does have a website, it has very little detectable online presence. The lack of social proof or adequate online reputation may make some potential customers wary of working with MPP. 

Confusing Plan Structure

Hours of reading this company's website can leave you still confused about which plans are which. Sometimes, the same policy is referenced with a similar but different name on different site pages and even on-site brochures. 

Many MPP service contracts offer very similar coverage. It's hard to compare and understand the differences between new car policies and lease policies and used car vs. certified pre-owned coverage plans. 

In the same vein, some warranty plans are only one or two coverage items away from the next. Choosing between nearly-identical coverage combinations can be confusing for car shoppers, especially if they are in the dealership's F&I office. 

However, interested consumers can view all plan details, including contract examples, on MPP's website. Additionally, dealership employees are trained on MPP products and your purchase won't be eligible for all options. 

If you are still confused, you can always call Mechanical Protection Plan's customer service directly to avoid paying for a warranty that doesn't offer the protection you want.

Contact Dealer for Cost

How much does it cost to get coverage from MPP? 

Quotes aren't available online. Pricing depends on your locale, the dealership, the car that you are getting, its condition and current mileage, and the plan you choose. Whether you want basic vehicle protection, or a more extensive plan, including regular maintenance like oil changes and tire rotation, will affect your plan's cost. 

Is the car new enough that the manufacturer's warranty still covers it? 

Not to worry. 

While the FTC warns consumers against vehicle service contracts that don't provide coverage until your manufacturer's warranty has expired, with MPP, that's not the case. You won't be paying for double coverage, either. This outside warranty company factors any existing manufacturer warranty coverage into your MPP coverage rate.

However, since online information about the company's plans, costs, and policies is limited, it is essential to check for eligible dealers, who have more specific information. Ask lots of questions when you get there and make sure you know whether a vehicle service contract is right for you.