Mechanical Breakdown Protection

  • Mechanical Breakdown Protection through Holyoke Credit Union
  • Easy Street, Main Street, or First Street Coverage
  • How to obtain Mechanical Breakdown Protection

Mechanical Breakdown Protection – often referred to as MBP – is a wise choice for many of our members, but may not be for everyone. The information presented here can help you decide if Mechanical Breakdown Protection is right for you.

First, consider the fact that most major repairs occur after the manufacturer's warranty expires and, if you are like most Holyoke Credit Union members, you are keeping your cars longer, while repair costs continue to rise. In order to avoid out-of-pocket costs for these repairs, some sort of extended coverage is a necessity!

The big question is how long you anticipate owning your car. If the car you've just purchased is new, take a close look at its factory warranty before making a decision on more coverage. If you plan on keeping the car for a long time, or if you will be putting a lot of miles on your car after the factory warranty expires, Mechanical Breakdown Protection may be a good investment.

Mechanical Breakdown Protection through Holyoke Credit Union

If you will be keeping your car for quite a few years, Mechanical Breakdown Protection is a good idea . . . and a good deal. Holyoke Credit Union offers Mechanical Breakdown Protection to its members and provides fairly-priced polices for both new and used cars. This cost is about half what a dealer would charge you for a typical extended warranty. Another benefit is that Mechanical Breakdown Protection usually allows you to take your car to your repair shop, where dealer warranties limit work to specific dealerships.

Available only to our members, Holyoke Credit Union Mechanical Breakdown Protection offers the following:

  • You can purchase coverage for both new and used vehicles
  • Competitive pricing compared to plans offered by many auto dealers
  • All MBI plans also include 24-hour emergency roadside service and rental car allowance
  • Easy Street, Main Street and First Street* Qualification based on year, make, model and mileage of vehicle
  • Nationwide protection
  • Comprehensive coverage designed to keep your vehicle on the road
  • No deductible on covered parts and labor
  • 30-day "Free Look" allows you to cancel for any reason within the first 30 days and receive a full refund less any claims paid

Easy Street, Main Street, or First Street Coverage*

Be ready for the unexpected and ensure you're covered in the event a mechanical breakdown occurs. With Mechanical Breakdown Protection from Route 66 Warranty, you can rest easy knowing you are covered. Route 66 Warranty's Mechanical Breakdown Protection Plans are available for both new and pre-owned vehicles, and coverage is transferable if you sell your vehicle before your agreement expires providing added resale value.

Components Covered

Because so many components are covered, it is not possible to list everything. Instead, here are a small number of items that are not covered: oil, brake shoes, belts, hoses, tires, tune-up items, filters, a/c coolants, exhaust and emission parts, sound reproduction, collision avoidance, lane departure warning system and safety restraint system, lighting, cosmetic and body parts, glass and paint.

EEP Coverage To Include

GPS / Navigation Components, Key Fob repair or replacement with exchange, Liquid Crystal Display (LCD), Screens, DVD Player's, Satellite Radios, MP3 Enabled Radios, Stereos, Backup/Reverse Sensors, Rearview Back-up Camera, Side Mirror Camera, Rearview Mirror Camera, Driver Assist Systems.

Air Conditioning

Factory installed compressor, clutch and coil assembly, evaporator, accumulator and condenser. Evacuation and recharge in conjunction with the replacement of listed compoents.


Power steering pump, electronic steering motor, steering gear housing and its internal parts and rack and pinion assembly.


Master cylinder, ABS master cylinder, brake booster, wheel cylinders, disc brake calipers, hydraulic lines and fittings.


Radiator, fan clutch, water pump, cooling fan motor.


Timing chain, belt tensioner & guides, intake manifold, cylinder head gaskets, valve lash adjusters, pickup screen & tube, valve guides, valve spring locks & retainers, harmonic balancer.

Fuel Delivery

Fuel pump, fuel tank, fuel injectors, metal fuel lines, fuel sending unit.

Front Suspension ♦

Upper/lower control arms, upper/lower ball joints, steering knuckle, wheel bearings, control arm shaft and bushings. *Vehicles under 85,000 miles at contract purchase.


Battery, voltage regulator, alternator, front/rear wiper motors and module, window motors, window regulators, cooling fan motor, electric fuel pump, ignition module and coils, engine operation computer, distributor, starter, starter solenoid, seat motors, door lock actuators, manually operated switches for above-listed parts.

Automatic Transmission

Chain, drum assembly, solenoids, bushings, accumulator, clutches, bands, servos, parking pawl, speedometer gear, transmis_sion cooler, pistons.

Optional EEP Coverage

GPS / Navigation Components, Key Fob repair or replacement with exchange, Liquid Crystal Display (LCD) Screens, DVD Pia􀂉 Satellite Radios, MP3 Enabled Radios, Stereos, Back-up/Reverse Sensors, Rearview Back-up Camera.


Crankshaft & bearings, oil pump, oil pump pickup/screen and tube, pistons, piston rings, wrist pins, connecting rods & bearings, timing gears, chain/belt, timing tensioners/guides, camshaft, bearings, push rods, rocker arms/shaft, hydraulic lifters, intake and exhaust valves and springs, cylinder head gaskets. Engine block covered if mechanical failure was caused by above-listed parts.

Standard Transmission

Transmission parts consisting of gears, input and output shafts, bearings, overdrive housing. Transmission case if malfunction was caused by the above listed parts.

Automatic Transmission

Transmission parts consisting of gears, input and output shafts, bearings, front pump, planetary assembly, sprags, governor assembly, valve body, torque converter, transmission case.

Drive Axle Assembly

  • 2-Wheel Drive:
  • Drive shaft, ring/pinion gears, pinion bearings, side carrier bearings, carrier assembly, thrust washers, axle, axle bearings, limited slip clutch pack assembly, universal joints, CV joints, drive axle housing.
  • 4-Wheel/All-Wheel Drive:
  • Drive shaft, differential & CV joints, transfer case parts listed on contract.


Water Pump - limited to 50% parts & labor.


Alternator, Starter and Voltage Regulator – limited to 50% parts and labor.

*This information provides a basic overview of each plan.

Powersport Machine Warranty

Route 66 Warranty has a complete line of coverage designed to keep you on the go. Even the most reliable motorcycle can develop a mechanical problem. That's why so many people depend on Route 66 Warranty. No matter where you travel in the United States, we protect you against major mechanical expenses, and there is NO DEDUCTIBLE on covered parts and labor. All of our plans come with 24 hour/ 7 days a week Emergency Roadside Service.


  • Engine
  • Transmission
  • Primary Drive
  • Suspension
  • Steering
  • Brake Systems
  • Fuel System
  • Cooling System
  • Electrical System
  • Instruments and Gauges
  • Seals and Gaskets
  • Saddlebag / Travel Trunks
  • Fairing Hardware
  • Towing
  • Flat Tire Assistance
  • Fuel Delivery
  • Minor Adjustments
  • Rental Car Allowance

Contact us for more information for a warranty on your powersport machine.

How to obtain Mechanical Breakdown Protection

Please consult with one of our loan representatives to discuss the Mechanical Breakdown Protection program in more detail. Or, call us at (413) 532-7007.

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