Mechanical Repair Coverage (MRC)
More useful than a monkey wrench
Save money and time by getting your repairs insured.
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Play the long game
Cars are costly. With this insurance option, you can get trips to the mechanic covered, so if something unexpected comes up, you won't be emptying your wallet.- Covers parts and labor
- Works at any authorized, franchised repair facility in the U.S. and Canada
- Easy to add on to your auto loan
- Pay less than you would at most places
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Contact us at 808-73-PHFCU (737-4328).
- You should take the vehicle or arrange to have the vehicle taken to an authorized repair facility in the U.S. or Canada. If the vehicle needs to be towed, the member should call for roadside assistance (Call 1-866-603-5420).
- You should authorize the repair facility to perform the necessary diagnosis and get a repair estimate.
- The repair facility should call the claims center for authorization PRIOR to beginning repairs.
- Once the repair facility has obtained an authorization number, the repair facility should perform the repairs.
- Upon completion of the repairs, the repair facility should bill the Administrator for authorized repairs. The Administrator will pay the repair facility by corporate credit card or direct bill, whichever is preferred by the repair facility.
- You should pay the repair facility any required deductible and the cost of any repairs not covered by the agreement/policy.
For assistance, please call 1-866-603-5420.Yes, you can purchase MRC on your vehicle that is 10 years old or newer with 100,000 miles or less regardless of when it was purchased or financed.Coverage is available for any new or used vehicle through 12 model yrs old with 120,000 miles or less at time of coverage purchase- Vehicles used commercially.
- Salvage or rebuilt titled vehicles.
- Trucks rated more than 1 ton.
- Motor homes.
- Motorcycles.
- Non-U.S. Specification Vehicles.
- General maintenance is not covered under any of the MRC policies.
- Pre-existing conditions (condition that existed prior to the purchase of the policy/agreement).
- Aftermarket items not installed by the manufacturer.
- Other exclusions as listed in the policy/agreement.
- Gold and Silver levels of coverage: any system or component not specifically listed on the MRC policy/agreement.
- Coverage term expires when its time or mileage limit is reached (whichever occurs first).
- Coverage should be canceled if the vehicle is a total loss or repossessed.
- May be cancelled by you at any time for at least a pro-rata refund.