Is Mechanical Repair Coverage Worth It?
Think of it this way: The value of a good MRC plan is about the same as the value of your peace of mind. After all, a breakdown is a matter of “when” and not “if” for many car owners.
That being said, all of our mechanical repair coverage is completely optional and can be canceled at any time.
Perks of Idaho Central’s MRC Policies
- Rental reimbursement
- 24-hour roadside assistance, including towing
- Rental car reimbursement
- No out-of-pocket costs (beyond your deductible)
- Emergency travel expense reimbursement
- Flexible commitment — cancel at any time
What Repairs Will My MRC Policy Help Cover?
| Vehicle Part | Silver Plan | Gold Plan | Platinum Plan |
| Engine | ✓ | ✓ | ✓ |
| Transmission | ✓ | ✓ | ✓ |
| Front-Wheel Drive | ✓ | ✓ | ✓ |
| Rear-Wheel Drive | ✓ | ✓ | ✓ |
| Steering | ✓ | ✓ | ✓ |
| Front Suspension | ✓ | ✓ | ✓ |
| Brakes | ✓ | ✓ | ✓ |
| Electrical | ✓ | ✓ | ✓ |
| Air Conditioning | ✓ | ✓ | ✓ |
| Hybrid and Electric Vehicle (Basics) | ✓ | ✓ | ✓ |
| Seals and Gaskets | ✓ | ✓ | ✓ |
| Advance Components | ✓ | ✓ | |
| Hybrid and Electric Vehicle (Advanced) | ✓ | ✓ | |
| High Tech | ✓ | ||
| Entertainment Systems | ✓ | ||
| Safety and Security | ✓ | ||
| Misc. | ✓ |
Limitations apply. Speak with a customer service representative or clink the link above to see coverage specifics. Mechanical Repair Coverage is administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is administered by Virginia Surety Company, Inc., and FL, LA, OK and WI, where coverage is administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023). This coverage is made available to you by CUNA Mutual Insurance Agency, Inc., and is insured by Virginia Surety Company, Inc.