Is your car outside of factory warranty?

Get the best VSC available online!

When a vehicle's factory warranty expires, dealerships and consumers contact us. Our third-party vehicle service contracts are not the same thing as the factory warranty, but many can provide better protection for your vehicle. People also refer to this as a car warranty, truck warranty, vehicle waranty, extended auto warranty, extended warranty, or a car repair protection plan. Call us today! 


Our founding members have been actively involved in the insurance business since 1960 and the warranty business since 1974. Our company markets Mechanical Breakdown protection for the Old Republic Insurance Company (NYSE: ORI), which has been in business since 1923. MBA Inc. is the martketer and administrator for



  • American Bankers Insurance Company of Miami, Florida

  • Kemper Insurance Company of Long Grove, Illinois

  • Standard Guarantee Insurance Company of St. Petersburg, Florida

  • American Security Insurance Company of Atlanta, Georgia

  • Allstate Insurance Company of Chicago, Illinois

  • Fireman's Fund Insurance Company of Chicago, Illinois

For over 35 years, MBA has been a leading nationwide provider and administrator of protection plans and related finance and insurance products across the Automotive, Powersport, Recreational Vehicle and Marine industries. As an Accredited Member of the Better Business Bureau with an A+ rating since 1990, we are proud of our reputation for honesty and integrity, and committed to providing our partners and customers with superior products and first-class service.



What Is a Vehicle Protection Plan?

Vehicle protection plans offer affordable protection against costly and unexpected repairs beyond the manufacturer's or dealer's warranty and are available for both new and used vehicles. In some cases, vehicle protection plans are less expensive than the cost of a single mechanical breakdown.*


Why Should I Buy a Vehicle Protection Plan If My Vehicle Still Has a Manufacturer’s Warranty?

A vehicle protection plan makes sense if you are planning to keep your vehicle past the manufacturer’s basic warranty period and you want additional protection against the high repair costs. In addition, you may be eligible for more comprehensive coverage and the potential for long-term cost savings as the best rates for all coverage plans are on vehicles with lower mileage. Finally, our vehicle protection plans come with the following benefits: car rental, travel expenses for trip interruption, and 24/7 emergency roadside assistance including towing, flat tire assistance, battery service, lost key/lockout services and delivery of emergency supplies of fluids and other supplies.


My Vehicle is Not Under Warranty, but it's Very Reliable. Do I Need a Protection Plan?

You may still purchase a vehicle protection plan after the original full manufacturer's warranty has expired. Mechanical breakdowns are a reality for even the most reliable vehicles which is why manufacturers only offer warranties for a limited period. As your vehicle gets older and accumulates more miles, the likelihood of experiencing a mechanical breakdown increases. An investment in a vehicle protection plan today may protect you from an unexpected and costly repair bill in the future.


Why Should I Purchase an MBA Vehicle Protection Plan?

We have been a innovator and leading provider of vehicle protection plans for more than 35 years with more than 550,000 satisfied customers. All MBA vehicle protection plans are underwritten by A.M. Best "A" rated insurance companies. Additionally MBA has been an Accredited Member of the Better Business Bureau with an A+ since 1990.


What is Covered by My Vehicle Protection Plan?

Specific coverage varies depending upon coverage plan purchased, place of purchase and vendor agreement.  Please review the Vehicle Protection Plans page for more information on the coverage plans, options and benefits available.


Are MBA's Vehicle Protection Plans the Least Expensive in the Market?

There are probably lower priced protection plans available but that does not mean they are a better value. A closer look at the coverage and benefits offered will clearly demonstrate the difference between these plans. Therefore, you might find a lower priced plan but you may not find a better value.


Are There Any Mileage or Year Restrictions?

We offer vehicle protection plans for vehicles up to current plus 15 model years of age. Also, a vehicle must have fewer than 156,000 miles at the time the vehicle protection plan is purchased.


Can I Transfer My Vehicle Protection Plan if I Sell My Vehicle?

Yes, if you are the original vehicle protection plan contract holder you may transfer your contract to private party for a small fee. Please review the Transfers page for additional information and contact us if you have questions.


Is My Vehicle Protectiuon Plan Cancelable?

Yes, vehicle protection plans are cancelable at any time. Typically, during the first 30 days, if you decide to cancel your purchase and no claims have been filed, you will receive a 100% refund of the contract purchase price. After 30 days, you can cancel your vehicle service contract and recieve a refund on the unused portion. Please review your vehicle service contract for more detailed information on cancellations and refunds. Should you wish to cancel your contract, please contact the dealer or producer from whom you purchased your contract first.


Can I Finance the Purchase of My Vehicle Protection Plan?

Yes, a vehicle protection plan may be financed along with the purchase of your vehicle. If your are purchasing a vehicle service contract separately from the purchase of your vehicle, there are a number of financing alternatives available. Please contact us if you have questions.


What Kind of Records Do I Need for Proof of Maintenance?

Receipts for maintenance must include the vehicle identification number (VIN), year, make, and model, dates of service, mileage and services performed. Maintenance services must be performed in accordance with manufacturer requirements.


How Are Repair Claims Processed And Where Can I Get My Vehicle Repaired?

The process is simple, if the covered vehicle experiences a mechanical breakdown, the best alternative is to take your vehicle back to the dealer or producer from whom you purchased your protection plan. In those instances where that is not be a viable option, you may take your vehicle to any licensed repair facility in the United States or Canada. Instruct the dealer or licensed repair facility that they must contact the Administrator with the diagnosis and estimate of repairs and obtain an authorization number prior to proceeding with repairs.


Once the vehicle is repaired, we will pay the repair facility directly, less any deductible (if applicable), by credit card, direct deposit or check. There is no paperwork for you to fill out. However, failure to obtain authorization prior to repairs may result in nonpayment.


What Are My Deductible Options?

Our vehicle protection plans offer a range of deductible options including: $0, $50, $100, and $200. The deductible is per repair visit. Beware of companies that charge a deductible on a per item basis.


How Do I Use My Car Rental Benefit?

Your car rental benefit is available to provide you with a replacement vehicle when the covered vehicle is inoperable due to a covered mechanical breakdown. Many repair facilities have loaner cars or car rental operations onsite. However, if your repair facility does not provide rental cars, contact your local rental car company and retain your receipt. Once your vehicle is repaired, simply submit the receipt for reimbursement. Please refer to your specific vehicle service contract coverage pages for exact terms orcontact us if you have questions.


How Do I Utilize the Emergency Roadside Assistance Benefit?

Emergency roadside assistance is available 24 hours a day, seven days a week. Please call 1-888-787-8227 and give the representative the following information: MBA producer code – 21293, your vehicle service contract number (located on the contract and on your identification card) and the plan letter which is “U”. The following services are covered: towing (up to a maximum of 25 miles), battery service, flat tire change, lost key/lock-out service, and fluids delivery. Additionally, if you are more than 100 miles from home we will reimburse you up to $100 per day for up to three consecutive days for meals and lodging if the mechanical breakdown is covered under your vehicle service contract.


I Lost My Service Contract, How Do I Get a Replacement?

You may contact us and we will provide you with an electronic or paper copy.


Optimum Auto is our primary automotive vehicle protection plan program. The program includes both new

and pre-owned vehicles and offers a comprehensive selection of coverage plans, exceptional customer benefits, and a range of term and deductible options to fit nearly every driving, ownership and budget need. All Optimum Auto coverage plans are fully underwritten by A.M. Best "A" rated insurance companies.


Consumer Benefits

 –  Coverage provided beyond the original manufacturer’s warranty

 –  Protection from unforeseen repair costs

 –  Coverage and pricing options to meet every need

 –  Flexibility to take the vehicle to the selling dealership for repairs or a licensed repair facility that is most  


 –  First-class customer service and fast, effortless claims processing online or over the phone

 –  Transferable to the next owner of the vehicle, enhancing resale value

 –  Roadside assistance benefit provides 24/7 roadside services including towing, tire changes, lockouts,

     battery service, and fluid delivery

 –  Reimbursement for substitute transportation and trip interruption while vehicle is being repaired


Eligibility Guidelines

 –  All covered components must be functioning properly at the time of sale.

 –  New Vehicles: Current plus one model year and vehicles with less than 12,000 miles on the contract

     purchase date.

 –  Extended New Eligibility Vehicles: Current plus up to four model years, vehicle does not qualify as a

     new vehicle and has at least one month and 1,000 miles remaining on the original full manufacturer's warranty.

 –  Pre-Owned Vehicles: Current plus up to 12 model years and not eligible as new or extended new eligibility

     vehicle as outlined above

 –  Deductible and surcharge options may apply


Different Levels of Coverages



     –  Most comprehensive coverage available

     –  Exclusionary coverage - ultimate protection for all of the parts and components of the covered vehicle,

         with the exception of those parts and components specifically excluded in the contract


Platinum Preferred

     –  Best named component coverage available

     –  Coverage protecting 17 major component areas of the vehicle



     –  Extensive named component

     –  Enhanced coverage protecting 12 major component areas of the vehicle



     –  Value-oriented named component coverage

     –  Basic coverage protecting 12 major component areas of the vehicle


Optimum Performance / Optimum Climate / Optimum Power

     –  Powertrain Plus coverage programs

     –  Designed to protect key major components of the vehicle



     –  Affordable powertrain coverage program

     –  Designed for high mileage vehicles and high mileage drivers

     –  Protects against costly repairs for the engine, transmission and drive axle


Diamond Wrap / Platinum Preferred Wrap

     –  Supplemental coverage programs

     –  Picks up where the original full manufacturer's warranty leaves off

     –  Options include exclusionary and named component coverage


Additional Coverage Options

The following coverage options are available on certain coverage plans listed above


Commercial Use - Available for New Vehicles used for service and repair work, delivery service, farming, ranching and light duty contracting and more


EnviroSelect - Additional coverage for certain exhaust and emissions components, including the catalytic converter


Hybrid Electric Vehicle Package - Additional coverage for certain key components unique to hybrid electric vehicles


Lifted Vehicle / Oversized Wheels & Tires- Required additional coverage for vehicles equipped with oversized wheels & tires and/or body or suspension lift kits


Luxury Electronics -Coverage includes a number of high end electronics found on today's luxury vehicles including: autonomous cruise control systems, rear entertainment systems, parking assistance systems, internal hard drives, collision avoidance systems, and more


Power Tech & Electronics - Coverage includes a number of electronic components including power sunroof motors, convertible top lift motors, factory installed anti-theft systems, fuel injection sensors, and more


Premium Electronics - Coverage includes GPS navigation systems, radio, dash mounted CD/DVD players, rear monitoring cameras, parking sensors, and more


Snowplow Package -Required additional coverage for vehicles used for snowplowing




NOTE: Please review the respective vehicle service contract for contract terms, conditions, exclusions and

limits of liability.



Disclaimer: National Repair Solutions offers Extended Motor Vehicle Service Contracts, or Vehicle Service Contracts. Vehicle Service Contracts are not called Warranties because a Warranty is only something that the manufacturer of a product can offer. Although Dealerships offer Vehicle Service Contracts as "Extended Warranties," they are not legally Warranties because they are with administrators who are not the manufacturers. National Repair Soultions does not use any of the following terminioogy when describing a program with any customers. The words "Warranty, Extended Auto Warranty, or Auto Warranty" should only be used when you are referring to the vehicle's original factory warranty. Third party or aftermarket vehicle service contracts (like National Repair Solutions policies) are not through any vehicle manufacturer. People who search online commonly search for the terms, "expired bumper to bumper warranty, expired extended auto warranty,  expired used car warranty,  expired truck extended auto warranty, expired luxury warranty, expired premium warranty, dealership warranty, extended factory warranty, online extended auto warranty, high mileage warranty, repair insurance, vehicle protection service plans, vehicle protection plans, best extended warranty online, mechanical break down plans, repair coverage, vehicle repair coverage, or truck repair coverage." These phrases are not the correct terminalogy to refer to a third party, or aftermarket, vehicle service contract. Please contact one of our coverage specialists if you have any questions.