Reviews

Review Details

• Review fromCasey B

  Date: 05/16/2025

  1 star

  Casey B

  Date: 05/16/2025

  Josh K*****, was very unprofessional and called everybody else liars besides his company. He wouldn’t give me his last name. Found through the power of Facebook. Never will I purchase extended warranty’s through MBPI again! Josh K***** do better!
  

  Mechanical Breakdown Protection

  Date: 05/19/2025

  Upon review, it appears that this is regarding a claim that was filed by the consumer on or about April 25, 2025, under the Premiere Vehicle Service Contract (“Contract”) which is administered by Mechanical Breakdown Protection, Inc. (“MBPI”). As the administrator, MBPI is responsible for adjudicating any claims in accordance with the terms and conditions of the Contract. In summary, to determine if the claim is covered under the Contract, the consumer must authorize the removal and inspection of the pistons. When MBPI informed the consumer of this, the consumer used derogatory language towards the MBPI claims representative and abruptly ended the phone call. On April 25, 2025, MBPI was contacted by a repair facility servicing the consumer’s vehicle reporting an oil consumption issue that needed to be diagnosed. The repair technician suspected that the piston rings had failed and was requesting a complete engine replacement. Generally, when a repair technician suspects a piston or piston ring failure, both components are replaceable without a complete engine replacement. Accordingly, MBPI chose to send a third-party inspector prior to any disassembly of the engine requested or authorized. The inspector found that the vehicle was approximately 2.5 quarts low on oil upon arrival, without any external oil leaks seen as a contributing factor. The repair technician presented the inspector with the results of a wet compression test showing low pressure but had not performed a borescope inspection to confirm any non-repairable engine damage (such as cylinder wall scoring or pitting). Additionally, a borescope inspection would provide clearer information about the condition of the combustion chamber, piston, and possibly show a broken piston or piston ring. Based upon this inspection and the lack of a borescope inspection, there was not enough information presented by the repair technician to suggest a complete engine replacement was required. Furthermore, under the terms and conditions of the Contract, the Contract does not provide coverage for any mechanical breakdown caused by carbon deposits. In MBPI’s experience, a failure to an engine such as the one in the consumer’s vehicle that is causing oil consumption, as reported by the repair technician, could be due to carbon buildup. Thus, for the mechanical breakdown to be covered under the Contract, carbon buildup must be ruled out as a cause. The only way to determine that is for the pistons to be removed and inspected. However, the Contract also does not provide coverage for the expense of diagnostic inspection, disassembly and reassembly if the inspection determines that the failure was not a mechanical breakdown covered under the terms and conditions of the Contract. MBPI informed the consumer of this and stated that to determine if the mechanical breakdown was covered under the Contract, the consumer would need to authorize further diagnostic testing such as the removal and inspection of the pistons. In response, the consumer used derogatory language towards the MBPI claims representative and abruptly ended the phone call. As we have described above, MBPI is responsible for adjudicating claims under the Contract in accordance with the Contract’s terms and conditions. In order to be able to authorize a claim under the Contract, MBPI must first confirm that the mechanical breakdown is covered under the Contract’s terms and conditions. In this case, the repair technician servicing the vehicle has not presented enough information to confirm that the mechanical breakdown is covered under the Contract, let alone enough information to justify a complete engine replacement. As of the date of this response, the consumer’s claim has not been denied. In order to determine if the claim is covered under the Contract, the consumer will need to authorize the removal and inspection of the pistons. To do so, they may contact MBPI’s claims department at (877) 253-9558.

• Review fromJeremy Z

  Date: 11/18/2024

  1 star
  On July 29, 2020 I purchased my 2019 F150 from LTD Ford Lincoln in Centralia Illinois. LTD sold me a warranty through MBPI for $2677 at the time the vehicle had 25,600 miles and the warranty is good for 100,000 miles or until July 29 of 2026. On October 6 of 2024 I started having engine troubles and brought it to the shop. In the meantime MPI sent out an investigator to the shop and determined that my warranty was void because I was a volunteer firefighter because there was blue on the visor of the truck. I called and talked to the manager at MBPI and he stated my warranty was void because I was a volunteer firefighter. My truck does not haul water and I do not have my firefighting gear. I have to report to the station to get a firetruck and gear. They are refusing to pay for an engine or even to repair the engine. I was a firefighter when I purchased the truck so therefore I never actually had a warranty on my truck. The blue lights on a vehicle in Illinois are used to alert other motorist that there is a firefighter heading to the station. We have to obey all traffic laws while driving to the station. There is no difference than me driving to and from work versus driving to and from the fire station. I would advise all first responders to read the fine print when buying a warranty or go through a different company that supports first responders.

• Review fromKaren C

  Date: 06/23/2024

  1 star

  Karen C

  Date: 06/23/2024

  September 3, 2021 I purchased a 2017 Kia Sportage EX with 56,656 miles. I also purchased the Premier Vehicle Service Contract for $2600. The oil is checked every week. Around 80,000 miles we noticed the Kia was using oil. We was having to put a qt of oil 300 to 500 miles. It was not leaking anywhere. I call Wood Motor Company to get an appointment to get it in and found out, they are not qualified to work on Kia’s. On June 15, 2023 took it to Youngblood Kia in Springfield. This is what Kia told me- After talking to Jason at MBPI so we would have to start with doing an oil change for tomorrow then you will have to come back in 1,000 miles after the 1,000 miles we would have to do a combustion cleaning that you would be responsible for paying. Afer the combustion cleaning if the car is consuming more then 1 quart per 1,000 miles then MBPI would look into authorizing but cant guarntee. The first oil change is 89.99. the combustion cleaning is $599.99. Only after doing the cleaning and seeing if it does more then 1 quart in 1,000 miles then they will look into making a claim. Jason said if you have any more question to contact him and he will talk you through it. Consumption test showed 870 miles it used 1 3/4 qts of oil. Yet MBPI wants me to pay $599.99 for a combustion cleaning. At 88256 miles the check engine light came on. Got permission from MBPI took it to our mechanic. Had to have the # 3 ignition coil pack and plug changed. It’s pumping oil to the # 3 cylinder. We had to pay $103 out of our pocket on this yet our contract says no deductible. Our mechanic said the only thing to do is rebuild the motor. MBPI wants us to pay for the combustion cleaning. Which is not going to solve the problem. So here we are with a vehicle that just turned over 100,000 miles and now uses 3 qts of oil every 1000 miles and has to have the # 3 plug changed every 5000 miles do to oil fouling it out. Yet I paid $2600 for the contract to pay for things like this.
  

  Mechanical Breakdown Protection

  Date: 06/27/2024

  It is unfortunate that this consumer is dissatisfied with the level of service provided under her vehicle service contract, as MBPI strives to ensure peace of mind and exceptional protection for every consumer serviced by our products. The consumer contacted MBPI in June 2023 with an oil consumption concern. Per the manufacturer’s guidelines, after performing an oil consumption test on the vehicle and determining there is excessive oil consumption, the next step is to clean the combustion chamber. This cleaning is not covered under the vehicle service contract purchased by the consumer. Under the terms and conditions of the vehicle service contract, if there is not a covered mechanical breakdown, the contract does not provide coverage for any expenses related to the diagnostic inspection, disassembly or reassembly of the vehicle. For this reason, we always recommend the consumer follow any guidelines/recommendations set by the manufacturer prior to the consumer potentially incurring those costs. Furthermore, we have found that vehicles of a similar make, model, and year as the consumer’s vehicle are especially prone to excessive carbon buildup. The combustion chamber cleaning is specifically designed to correct this issue without replacing any hard components. Regarding the second claim noted in the consumer’s review, in July 2023, MBPI authorized a replacement ignition coil, but the repair facility the consumer requested charged the consumer 54% more than the Original Equipment Manufacturer’s MSRP. Under the terms and conditions of the vehicle service contract, only “reasonable and customary charges for parts and labor” are covered. The charge from the repair facility selected by the consumer were neither reasonable nor customary. Any issue that the consumer has regarding the handling of this claim lies with the repair facility.

• Review fromAngela S.

  Date: 03/14/2024

  1 star

  Angela S.

  Date: 03/14/2024

  This business was extremely disappointing. They do not function like other insurance companies. The GAP coverage only paid out 3% of the car's value, they were $900 short in covering the GAP and they kept the remainder of the premium stating I had purchased a product, and a refund would not be issued. To put this in perspective, after doing some research, Progressive pays 25% of car's value for their GAP coverage and you pay the premium as you go so they do not pocket money that doesn't belong to them. You pay for coverage, and they actually follow through with what their coverage says. I assumed all companies run the same, but now I know.
  

  Mechanical Breakdown Protection

  Date: 03/15/2024

  After review, it appears the consumer has filed this review for the incorrect company. Additionally, the consumer’s actual dispute would more correctly be addressed to the consumer’s primary insurance carrier, Progressive, due to Progressive deducting a condition adjustment from the consumer’s insurance settlement amount. Mechanical Breakdown Protection, Inc. is not a party to the GAP Waiver Addendum (“GAP Waiver”) the customer purchased from Pinegar Republic Chevrolet on January 21, 2023. The GAP Waiver is an addendum to the consumer’s finance agreement where, in the event of a constructive total loss, the financial institution agrees to waive the GAP Amount, a defined term, subject to the terms and conditions of the GAP Waiver. Vehicle Protection, Inc. (“VPI”), a subsidiary of MBPI, is the administrator of the GAP Waiver responsible for adjudicating claims in accordance with the terms and conditions of the GAP Waiver. The GAP Waiver is NOT insurance and VPI is NOT an insurance company Under the terms and conditions of the GAP Waiver, the GAP Amount is defined as the difference between the net payoff on the date of loss and the amount of the consumer’s primary carrier’s settlement. However, the GAP Waiver expressly excludes any amounts deducted from the primary carrier’s settlement due to wear and use or prior damage, otherwise referred to as a “condition adjustment” on the primary carrier’s settlement statement. In this case, the settlement statement provided by the consumer’s primary carrier, Progressive, includes a condition adjustment in the amount of $848.69. After accounting for the $848.69 condition adjustment that was deducted by Progressive, the result was a GAP Amount of $365.28. These calculations were explained to the consumer by representatives of VPI’s GAP Waiver department, including the exclusion of the condition adjustment that was deducted from the consumer’s insurance settlement amount by Progressive. The consumer was advised to contact Progressive and dispute the condition adjustment if they believed it to be in error. In the event Progressive removed the $848.69 condition adjustment, VPI would reopen the consumer’s claim and adjust the GAP Amount accordingly. Regarding the consumer’s statement that a refund would not be issued, under the terms and conditions of the GAP Waiver, in the event of a constructive total loss and a benefit is waived, as it was in this case, the GAP Waiver is deemed to be fully earned and no refund will be due. Neither MBPI nor VPI can comment on hypothetical coverage that is allegedly offered by Progressive under a GAP Insurance program. VPI is merely the administrator of the GAP Waiver the customer purchased from Pinegar Republic Chevrolet.

• Review fromCarrie J

  Date: 11/21/2023

  5 stars
  I bought the policy thru the dealership when I bought my used vehicle. Policy is good for 5 years. At 3 years, a hose started leaking and MBPI paid for it (minus my deductible). In Nov 2023 my water pump was leaking, they paid for it to be replaced. Then a day after that, an oxygen sensor went out and they paid for that as well. The dealership contacts them directly for claim pre-approval. I've had great results with MBPI warranty service.

• Review fromTom R

  Date: 07/01/2023

  1 star

  Tom R

  Date: 07/01/2023

  I just tried, multiple times to get a "free online quote" for MBI on my vehicle but LITERALLY EVERY SITE "required" my information!! Name, address, whether I own or rent my home. I CAN understand how a zip code can effect the price of a mechanic. Kinda sorta but the rest?!?!?All of which effects mechanical breakdown insurance HOW?!?The ONLY reason that this info is required, to get a free quote (which I DID NOT GET) is so that even tho I kept going back and erasing all of my info (which was a complete waste of my time. Because my info WAS NOT ERASED FROM THEIR SYSTEM) is so that they can burn up my phone at their earliest opportunity!!! I hope that people looking for a "free online quote" will read this BEFORE they fall for their "free online quote" SCAM!!! Because YOU WILL NOT GET A FREE ONLINE QUOTE!!! NEVER, EVER!!!What you WILL GET is a phone call from a VERY HIGH PRESSURE SALESPERSON!! Who WILL keep "sweetning the pot" until you buy SOMETHING or simply hang up and refuse to answer your phone again!!! Nor will you get a "free online lower car insurance quote"
  

  Mechanical Breakdown Protection

  Date: 07/03/2023

  Upon review, the consumer has clearly not had an interaction with Mechanical Breakdown Protection, **** (MBPI). I believe that this review has been misattributed in that the consumers references to MBI and mechanical breakdown insurance are references to the automobile insurance industry, and not to MBPI. MBPI is not a provider of automobile insurance, MBPIs website does not include an option for a consumer to obtain a free online quote, and MBPIs website does not request the information described in the review. In fact, MBPI does not offer direct-to-consumer sales, let alone high pressure telemarketing sales. MBPI is a provider of vehicle service contracts and other F&I products through automobile dealerships. As this consumers review is clearly not describing MBPI, nor has the consumer had an interaction with MBPI, wed request that this review be removed.

• Review fromMichael C

  Date: 08/15/2022

  1 star
  This company takes your money then finds a way to wiggle out of paying for mechanical issues they claim to cover under their warranty services. On top of that, their representatives respond in a condescending, rude demeanor. It is companies like this that ruin the reputation of warranty companies. They are not in business to help their clients, but to collect money as their top priority-a recipe for disaster for any company providing services for consumers.