mechanical breakdown insurance

(only available in california)

We designed our coverage to be easy to understand – offering add-on mileage1 and no surcharges for personal use vehicles2. Additionally, we offer member-rich benefits like one of the highest limits of liability, with no claim deductions on cancellations. Plus, we cover what others don’t, like subsequent damage to non-covered parts, sales tax, fluid replacement, seals and gaskets and diagnostic time on covered repairs.


Cater to each member’s specific needs, helping to protect them from unexpected repair costs, increasing their resale value, and providing them peace of mind if a breakdown does occur.3

(Deductible options: $0, $50, $100, $250 and $500)


Exclusionary coverage for the ultimate peace of mind


Comprehensive component coverage for those who want to protect most of their investment


Extensive selection of coverage that goes beyond the core vehicle components

MemberCare coverage carries the industry’s only MotorTrend Recommended Best buy designation—so your members can rest easy knowing they made the right choice.

benefits included with
each level of coverage

(No deductible)

24/7 Emergency Roadside Assistance
Provides assistance for flat tire, battery jump start, fuel delivery, lockout service and towing

Substitute Transportation
Rental car and rideshare services (e.g. Uber, Lyft, etc.)

Trip Interruption
Reimburses costs for meals and lodging due to mechanical breakdown while away from home

more benefits
for a better drive

(No deductible)

Road Hazard Tire & Wheel
Covers the cost to repair or, if non-repairable, to replace their vehicle’s tires or wheels

Key Replacement
Offers coverage in the event of loss, theft or damage to key or key fob

Paintless Dent Repair
Carefully removes dents or dings without harming factory paint

Windshield Repair
Repairs minor chips or cracks to the front windshield

1 From odometer reading at time of sale.
2 Surcharge may apply for commercial use. See policy for details.
3 Refer to the policy for complete details regarding coverage, terms, conditions and exclusions.

Insurance provided by
Universal Underwriters Insurance Company
California License Number 2854-8

Administered by
California License Number 2711915
6010 Atlantic Boulevard, Norcross, Georgia 30071-1303

To contact the California Consumer Hotline toll free, call 800-927-4357.

This information is intended for marketing purposes only and is a summary of the benefits offered.
Ask your representative for the actual policy for complete terms, conditions and exclusions.
Purchase of this coverage is optional and is not required to qualify for financing, purchase, lease or to register a motor vehicle.
This coverage may provide a duplication of coverage provided by other insurance.
Some damage may not be capable of being repaired using the method(s) set forth herein.
Such determination shall be made within the sole discretion of the repair technician.