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MBPI

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5.4

Overall Score

Author: Kaitlyn Short

LAST UPDATED: October 17th, 2025

MBPI was established in 1981, and based out of Missouri. MBPI is one of the oldest companies in the car warranty industry with 36 years of experience. Part of MBPI's philosophy is "to seek out select, quality dealers in targeted geographical areas, and provide the highest possible level of service to those dealers."

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The Good

  • Customer Support
  • Multiple Protection Plans

Customer Support

MBPI is an employee owned company, this makes the success of the company more personal to each employee. MBPI has an award winning staff that covers a great deal of customers, including 500 dealers. The staff have a combined service contract experience of over 100 years. This means that when a customer has an issue, the staff will be able to answer their questions as experts in the service contract field.

Multiple Protection Plans

MBPI offers several protection plans that cover all types of car issues depending on your circumstances. These varied plans allow customers to pick and choose what types of coverage they need for their vehicle. MBPI also offers varied service contracts that cover your vehicle regardless of the age or mileage. This can be very difficult to find in the industry as most car warranty companies limit the age and mileage they will cover:

  • Service Contracts (Preferred and Extra): these two plans cover various services and roadside assistance
  • Tire and Wheel Coverage: covers costs associated with damage from nails, potholes, and other road hazards
  • OEM Coverage: covers the modern vehicle technology
  • GAP: this insurances waives the difference between your primary auto insurance settlement and the outstanding balance on your vehicle
  • Lifetime Powertrain: covers the powertrain for the lifetime of your vehicle
  • Total Package: covers all interior and exterior components to protect you from paying expensive repairs
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The Bad

  • Lack of Transparency
  • Fees and Exclusions

Lack of Transparency

MBPI is upfront about a lot of information, and is very thorough about what each package covers. A lot of companies are not as transparent with some of the information that MBPI is. It is important to have information available for customers who are shopping around for a car warranty company; however, MBPI is lacking some information that is pertinent such as warranty prices, warranty deductibles, cancellation fees, transfer fees, and their availability. This lack of transparency makes it difficult for potential customers to compare services with other companies in the industry. It requires the customer to take out more time to find answers than necessary. It also makes it difficult for our team to rank MBPI's services fairly. We would like to see MBPI be more transparent with this information on their website.

Fees and Exclusions

While MBPI offers a great deal of services and coverage- they leave a lot to be desired. Their towing costs are high at $80 each tow. Some rental companies offer free towing services for a certain amount of miles, or tow at a much lower rate. Their rental car reimbursement is also quite low in the industry at $35 per day, and they are only willing to cover this expense for three days. Most of their packages only cover cars that are under ten years of age, and have less than 150,000 miles. This limits customers who have newer cars with relatively low miles. Once a current customer is over those requirements, they may have to find services elsewhere.

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The Bottom Line

MBPI offers many great packages for automotive protection that potentially cover almost anything a customer could need. MBPI has over 36 years of industry experience, and has a great reputation for quality customer service; however, MBPI is lacking some transparency, and some of their services do not offer the same value as services with other companies in the industry. We would like to see more specific information regarding their warranty prices, warranty deductibles, cancellation fees, and transfer fees. For your car warranty needs, we recommend checking out some of the other car warranty companies on our list.

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Star Rating

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4.0

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40 Reviews

Review Breakdown

5 grade

48%

4 grade

3%

3 grade

0%

2 grade

0%

1 grade

50%

Sentiment Criteria

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Quality

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Fav Ara

Horrible customer service. These people cancel my contract two years ago and never bothered to inform me, not an email, not a call, not a text, NOTHING! I’ve been driving unprotected for two years! Unknowingly, simply because they decide it’s not important for them to inform the customer of their contract status! Ugh! The supposed Director of the this place, is the highest person you can speak to and he is worthless! Find a different place, one which emphasizes on customer care!

1 month ago

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C Connelly

Our 2020 KIA SOUL broke down. We took it to Bob Sight KIA for Recalls and Diagnostics. The recalls were not completed but after many months we were told the problem with the car, according to the codes, was definitively with the wiring harness. However, when presented to MBPI Extended Vehicle Service, basically Bob SIGHT was told "to prove it." They wanted the wiring to be pulled and each wire checked with no guarantee either to the Dealer or us that they would pay for the labor their demand would require, leaving Bob Sight to decline the demand from MBPI and leaving us to pay the more than $4600+ EXTENDED WARRANTY REPAIR WORK THAT MBPI SHOULD COVER ACCORDING TO THEIR CONTRACT. It is understood by the buying client, that MBPI will accept the professional diagnostics of a quality Dealer, that the diagnostic is indeed correct and falls within the covered parameters of their contract. Placing their paying client AS A SHIELD between themselves and the Dealer TO SIDESTEP THEIR RESPONSIBILITY TO PAY ACCORDING TO THEIR CONTRACT IS THE HEIGHT OF HYPOCRACY and shows that IF THE REPAIR IS PRICEY, (the whole reason one would pay $2276 additional breakdown warranty insurance on a $19,000+ car) MBPI WILL DODGE THEIR CONTRACTUAL RESPONSIBILITIES, THEIR CLIENT BE DAMNED! I am retired, giving me the time to send mass mailings to as many Kansas City Dealers as possible, to tell my story and to inform them of the cheap unprofessionalism of this company. They should secure a more reputable company to attach their reputation to.

3 months ago

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Sherry Davis

Beware of MBPI Extended Warranty • Poor Reputation & Consistent Negative Reviews: Numerous reviews indicate MBPI is a “dark” and cold company that consistently causes problems for both dealerships and customers. • My Purchase & Coverage Details: • Purchased a 2019 Kia Sportage from Youngblood with 30,000 miles at a cost of $22,000. • Also purchased MBPI’s Premier extended warranty for $4,900 plus an additional $990 for GAP coverage. • Incident & Claim Process: • At 137,000 miles, after my husband’s heart surgery, the engine light came on. • Kia inspected the vehicle and identified that cylinders 2 and 3 were faulty (faulty pistons, rings, etc.) with no signs of carbon buildup. • Kia notified MBPI, which then demanded multiple tests (compression, leak, engine scope) and ultimately an engine teardown—all at my expense. • Financial Impact: • I have incurred over $6,800 in costs for all the tests, the engine teardown, and reassembly (not including the parts). • I was promised a three-day rental car reimbursement, yet due to delays, I have been forced to pay for a rental car well beyond the agreed period (over 20 days). • Unprofessional Behavior: • When I contacted MBPI for an explanation, their representative, James, was extremely rude, curt, and dismissive—leaving me with the impression that MBPI operates with little transparency and ethical accountability. • Instead of addressing the documented faulty engine components confirmed by Kia, MBPI shifted the blame onto Kia via a bulletin. • Final Remarks: • MBPI’s actions left me with a torn-down engine, no vehicle, and significant out-of-pocket expenses despite my vehicle being well maintained and having no manufacturer recalls on the issue. • Based on my experience and numerous similar reports, I strongly advise dealerships and customers to avoid any extended warranty from MBPI. Davis

8 months ago

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Sherry Gentry

Below is your revised, concise complaint including the additional cost details: ⸻ Beware of MBPI Extended Warranty • Poor Reputation & Consistent Negative Reviews: Numerous reviews indicate MBPI is a “dark” and cold company that consistently causes problems for both dealerships and customers. • My Purchase & Coverage Details: • Purchased a 2019 Kia Sportage from Youngblood with 30,000 miles at a cost of $22,000. • Also purchased MBPI’s Premier extended warranty for $4,900 plus an additional $990 for GAP coverage. • Incident & Claim Process: • At 137,000 miles, after my husband’s heart surgery, the engine light came on. • Kia inspected the vehicle and identified that cylinders 2 and 3 were faulty (faulty pistons, rings, etc.) with no signs of carbon buildup. • Kia notified MBPI, which then demanded multiple tests (compression, leak, engine scope) and ultimately an engine teardown—all at my expense. • Financial Impact: • I have incurred over $6,800 in costs for all the tests, the engine teardown, and reassembly (not including the parts). • I was promised a three-day rental car reimbursement, yet due to delays, I have been forced to pay for a rental car well beyond the agreed period (over 20 days). • Unprofessional Behavior: • When I contacted MBPI for an explanation, their representative, James, was extremely rude, curt, and dismissive—leaving me with the impression that MBPI operates with little transparency and ethical accountability. • Instead of addressing the documented faulty engine components confirmed by Kia, MBPI shifted the blame onto Kia via a bulletin. • Final Remarks: • MBPI’s actions left me with a torn-down engine, no vehicle, and significant out-of-pocket expenses despite my vehicle being well maintained and having no manufacturer recalls on the issue. • Based on my experience and numerous similar reports, I strongly advise dealerships and customers to avoid any extended warranty from

8 months ago Edited April 1, 2025

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Larry frederick

I have had 3 claims against this warranty, 1st time they covered less than half of the bill. 2nd time they denied the claim because my exhaust manifold and catalytic converter are both in same part and this was bad. 3rd time they denied because intake manifold went bad because egr caused it to. So if a part is covered under the warranty but a part that is not covered cause it to go bad , they don't pay. Here's The Deal, I paid 2,861 Dollars for this warranty, just so Ican pay over $2800. dollars to the dealer for repairs. I can tell you I did fixed the problems myself after dealer diagnosed it. I am very sorry I got involved with this company, in my personal opinion stay away. Save your money.

2 years ago

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Hank Washington, DC

I was sent a sample copy of the "MBPI Premier Vehicle Service Contract" from the Buick dealer because I wanted to thoroughly read it before signing. I noticed there was a conflict between two sections of the contract as follows: -On page 2 under the definition of "Mechanical Breakdown" it says: "minor loss or seepage of fluid is normal and is not considered a mechanical breakdown." -Then on page 3 it says: You are responsible to take immediate corrective action to correct at your expense lubricant leaks discovered at any time. If you fail to do so this contract shall be null and void." So I called them for clarification because on the one hand they say some leaks are fine and they won't fix it. Then they say they will void your whole contract if they find a leak. They could not or would not explain the contradiction in any rational manner so obviously I will not be getting their policy!

3 years ago

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Sheila Nazari Washington, DC

During corona virus I moved to Washington DC and as my lease expired on my car I was unable to return to car as the dealerships were closed and so was the DMV, restricting me from purchasing a new car as you must have an updated license to purchase here in DC. We were able to extend our current lease with the manufacturer. I have been paying for MBI Insurance for 36 months on this car . Now they are saying they won’t cover any insurance on the car as it expired when the lease was first up yet no one made this clear or informed me that I would lose this policy. They also were very insensitive to the situation in general as there were no further options or steps for me to take in the circumstance . Absolutely no sympathy shown towards the inevitable situation I was put in.

5 years ago

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Dennis Jones

I currently have an MBPI policy and my vehicle has been in the shop for almost a month. I have had a hard time getting a hold of them and on top of that I just found out not only am I going to have to wait at least another week to find out if they cover the issue. I am going to have to pay out of pocket if they say they don't cover the problem I am having with my transmission. I have had extended warranties in the past through AUL and had great experiences with them. Not only that but with my vehicle being in the shop for so long they refuse to give me a rental car for longer than three days. My advice to anyone who is looking for an extended warranty do not get one from this company the only reason they have been in business for so long is by leaving their customers out to dry.

8 years ago

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Jarrod Nooteboom

Never use this company. They lie on what they will cover. You buy an extra rider for something and it still doesn't cover what the rider is for. A bunch of crooks and never buy a plan from them

7 months ago

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Shannon Casteel

The worst “high dollar” warranty out there! Covers nothing- waste of money! The company definitely found a reason NOT to cover a diagnostic test and repair after I was told it would be covered. The dealership knows how to code things to get out of warranty work just to make money. Ridiculous!!!

1 year ago

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Jose G Little Elm, TX

Waste of money don’t ever buy from this company they come up with some fine print that the dealership doesn’t cover and get out helping people out Nico the adjuster said the warranty was void due to not having all service recipes so don’t waste your money

1 year ago

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Will Sparks Saint Johns, MI

They told me my paperwork would not be good enough throughout the whole GAP process endless faxes to them. 4 months later they don’t pay the vehicle off like advertised and stuck me with over a thousand dollar bill for my totaled truck. Horrible company and a scam to not pay. I been advising everyone I know to cancel anything with MBPI

2 years ago

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David Twombly Midlothian, IL

Seal on turbo failed causing oil to go into the catalytic converter fouling it. MBPI covered the turbo but not the catalytic converter that the turbo ruined. I talked to 3 people from MBPI and got the corporate answer "NO". Very unfair immoral and unethical. Illinois Attorney General has been notified along with the BBB.

4 years ago

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M Adams Bentonville, AR

They aren't there when you need them. I agree with other assessments on this site indicating a lack of transparency. "we cover the engine, except all these specific things for these specific reason." I'll not purchase a policy from this company again.

5 years ago

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A Scott Springfield, MO

Agree, Agree, Agree with others. Waist of a company. They pocketed $900 of my money and only gave me 3% of my car's value. Did not even come close to covering the GAP, and it's literally in their name.

1 year ago

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Powerhouse automotive Crawfordville, FL

I own a car garage.. with 337 five star reviews. A customer brought her Equinox in within the “warranty” period. We were told that timing chain/ tensioner were not an internally lubricated part. Rip off... sad

4 years ago

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Kiley Kansas City, KS

This company does not help with any sort of mechanical damage to your car. The bottom of their pamphlets say mechanical breakdown protection inc. yet their plans do not offfer assistance with anything mechanical.

7 years ago

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Amnon Cavari

MBPI is a waste of money. They will cover nothing. They will delay work, require you to pay out of pocket, and then say that the repair is not covered. Avoid at all cost!

1 year ago

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JR

They go the extra mile to avoid paying a claim and leaving you out to dry. Really disappointed I wasted my money on a company like this.

8 years ago

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Jason Hoppe Lenora, KS

Hit an 8 point buck. No chance to react. My vehicle was totaled. Claim denied no reason why.

6 years ago