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Mechanical Protection Plan

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17 User Reviews

1.7

Overall Score

LAST UPDATED: December 21st, 2020

Founded in 1979, Mechanical Protection Plan (MPP Co., Inc.) provides third-party extended vehicle warranties and other protection products through auto dealerships in ten U.S. states. All of its warranty plans, technically known as vehicle service contracts (VSCs), are insurance-backed by AM Best A-rated carrier Old United Casualty Company, which, along with MPP, is part of Old United Insurance Group. 

Based in Kansas, MPP supplies consumers with quality, extensive, and flexible service contracts for new, used, and certified pre-owned vehicles. It also offers a variety of other protection products, including the following:

  • Dealer limited warranties
  • GAP coverage (GAP waivers and GAP insurance)
  • Lease wear coverage
  • Mechanical service contracts 
  • Paint and fabric protection
  • Paintless dent repair
  • Pre-paid maintenance 
  • Theft protection products
  • Tire/wheel road hazard
  • Powersport, marine, and recreational vehicle (RV) extended warranties

Only participating dealers sell MPP warranties and other products. They can be rolled into your initial vehicle purchase financing or added soon after your initial purchase. Cars must pass an inspection and fall under the following requirements to be eligible for MPP warranty coverage: 

  • Max mileage — 90,000
  • Max age — eight model years old

For covered repairs, Mechanical Protection Plan extended service contract holders only have to pay their plan deductible, rather than the full repair amount. Repairs can be handled nationwide at approved dealerships or any ASE certified auto repair shop. Helping to limit your out of pocket expenses, the repair team will contact MPP for authorization, and covered repairs will be directly paid for by the warranty company. 

Since its inception, MPP has served over 5 million customers and paid out more than $400 million. Currently, it serves a customer base of over 1.5 million.

Keep reading for MPP extended warranty pros and cons, or skip ahead to read customer reviews.

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The Good

  • 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. 

Bronze Powertrain Covers major mechanical components in these systems:
  • Engine (diesel or gas)
  • Transmission/transaxle
  • Front and rear-wheel drive
Silver Powertrain + Extras All bronze coverage plus components in five more systems:
  • Steering
  • Brakes
  • Electrical
  • Factory-installed AC
  • Front suspension
Gold Stated Coverage All Bronze and Silver coverage, plus many in-depth added components that aren't covered in Bronze or Silver, but are in the systems covered. For example:
  • The Silver plan includes 11 components of a vehicle's suspension system, but only the Gold plan will pay for repairs of the suspension strut mount and bearings.
  • The Silver Plan covers 8 braking system components; however, there are more than 8 parts that could break. You will need Gold to cover parts and labor costs for the following brake components: brake seals, gaskets, pressure modulator/valve dump, brake pump motor assembly, and the brake accumulator.
Platinum Exclusionary coverage for most systems Platinum is MPP's exclusionary policy covering most mechanical and electrical components. It includes everything in Bronze, Silver, and Gold, but adds coverage for these components:
  • On-board computer system
  • Fuel system
  • Cooling system
  • Factory-installed audio/sound/navigation
  • Factory-installed comfort and convenience
Platinum Wrap Bolsters existing factory warranty coverage Combines with a used car's remaining factory warranty to provide broader coverage for most components.

 

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.

Platinum When buying a new car, a third-party car warranty protects your finances from failures not covered by your factory bumper-to-bumper warranty. This basic exclusionary warranty covers most electrical and mechanical components.
Platinum Elite Adds coverage for one battery replacement, one set of front and rear brake pads/shoes, fuses, headlights, lightbulbs, engine belts and hoses, one replacement set of windshield wiper blades or inserts, one wheel alignment service.
Platinum Care Adds regular covered maintenance to the Platinum.
Platinum Care Elite Everything in Platinum Elite, plus CARE — regularly scheduled maintenance, including oil changes and tire rotations.
Luxury Plus This warranty package is designed for new luxury vehicle purchases. Additional benefits provide coverage for the following car problems:
  • Battery
  • Brake pad coverage
  • Electrical
  • Enginge belts and hoses
  • Headlamps
  • Paintless dent repair
  • Tire/wheel road hazard
  • Wheel alignment
  • Windshield repair
  • Windshield wiper blades
Included in your Luxury Plus contract is a membership to Road America Motor Club, Inc. Perks of this membership include the following:
  • Car theft reward
  • Collision assistance
  • Custom trip routing
  • Emergency message relay
  • Emergency travel reimbursement
  • Key replacement assistance
  • Lockout assistance

 

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. 

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The Bad

  • 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.

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The Bottom Line

MPP car warranties offer car buyers financial protection against mechanical issues due to normal wear and tear (not covered by your car insurance). Only available from select dealerships in ten states, this company offers eligible car buyers pretty standard, reasonable policies and excels in customizable options. 

While comparing plans can cause some confusion, MPP offers car shoppers lots of options. However, its add-on protection services and car care options are both unique and welcome products.

MPP's extended auto warranty policies can help consumers budget for inevitable and costly mechanical repairs. Unfortunately, to be eligible for an MPP product, you have to shop at specific dealerships in a limited number of states and get a vehicle less than eight years old. 

Do you have experience with an MPP warranty? Would you recommend it to a friend? Let us know about your experience with a quick review below.

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