mechanical breakdown insurance

(only available in california)

driver protection for the things that matter most

Whether you’re buying a car for yourself or for a loved one, it should be a worry-free experience from the moment you make the purchase. As a valued member of a participating credit union, you can get best-in-class value mechanical breakdown insurance — keeping you on the right track and protecting you from unexpected repair costs if a breakdown occurs.

  • Covers both new and pre-owned vehicles
  • Commercial coverage available—including rideshare vehicles
  • Coverage is transferable to a new owner
  • Can increase your resale value

Already a customer?

why membercare?

choose from 3 levels of coverage*

MemberCare designed three levels of coverages to cater to your specific needs, helping to protect you from unexpected repair costs, and providing you peace of mind if a breakdown does occur.

*Refer to your policy for complete details regarding coverage, terms, conditions, and exclusions.


(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*

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

*Refer to your policy for complete details regarding coverage, terms, conditions, and exclusions.

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

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.

Protect your investment today.
Ask your credit union if they offer MemberCare driver protection.