Mechanical Repair Coverage (MRC)

You can’t choose the day or time your car will break down, but you can choose to be protected when it does. Idaho Central’s Mechanical Repair Coverage (MRC) will help you pay for an array of repairs at thousands of authorized repair facilities nationwide.

Tools on top of a car engine


You want coverage on your vehicle for when repairs are needed.

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 PartSilver PlanGold PlanPlatinum Plan
Front-Wheel Drive
Rear-Wheel Drive
Front Suspension
Air Conditioning
Hybrid and Electric Vehicle (Basics)
Seals and Gaskets
Advance Components
Hybrid and Electric Vehicle (Advanced)
High Tech
Entertainment Systems
Safety and Security

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.

Become a Member

Idaho Central Credit Union was designed with one idea in mind, helping members achieve financial success. If you live or work in Idaho or Washington, chances are you can become a member of Idaho Central Credit Union.

Find Out How