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Mechanical Breakdown Protection

Breakdowns happen, we get it. New and used vehicles alike can sometimes require maintenance for repairs not related to an accident. That’s where Mechanical Breakdown Protection (MBP), powered by Route 66, can help you by covering most repair costs.
Additional coverage outside of most vehicle warranties Add to your new Vehicle Loan at closing or any time after $0 deductible Quick, direct payment to the mechanic for claims Receive a full refund for plan cost in the event of a totaled vehicle1 Roadside assistance, rental car allowance, and more!

Mechanical Breakdown Protection is different.

Mechanical Breakdown Protection (MBP), powered by Route 66, is different from regular auto insurance. It is an optional coverage for your vehicle that helps you pay for repairs that are not caused by a collision or other damage. MBP can help to cover major vehicle failures that can occur on your automobile, ATV/UTV, and motorcycle, which are often excluded in basic auto insurance. Add MBP to your vehicle at the time of closing for a new Auto or Recreational Loan. It can also be added separately simply by giving us a call.
Want to add MBP to an existing vehicle? Call 844.238.4228, ext. 2320.

With Mechanical Breakdown Protection, we have you covered.

MBP, powered by Route 66, covers repairs to your vehicle’s major systems, such as its engine or transmission. While it’s similar to a manufacturer’s extended warranty, it may be available on more vehicles and provide additional coverage for more systems. This type of protection can be purchased on top of a manufacturer’s extended warranty or in place of the extended warranty, if the vehicle is not covered.

MBP coverage includes, but is not limited to:

  • Engine
  • Drive axle assembly
  • Automatic and standard transmission
  • Brakes
  • Seals and gaskets
  • Fuel delivery
  • Exhaust
  • Power system
  • Steering
  • Some plans include air conditioning and electronics

MBP coverage excludes normal maintenance including, but is not limited to:

  • Tires, wheels, struts
  • Brake shoes or pads
  • Rotors, drums, belts, hoses
  • Filters
  • Fluids, lubricants
  • Clutch, pressure plate

Mechanical Breakdown Protection makes your ride as smooth as possible.

24/7/365 Emergency Roadside Assistance
Towing, jumpstart service, lock out service, trip interruption, fuel delivery, flat tire assistance, minor adjustments.
Rental Car Allowance
The vehicle needs to be in shop for at least 4 hours to qualify. Paid directly from Route 66 to the mechanic.
Trip Interruption
If a covered vehicle is in need of repairs more than 100 miles away and must be left overnight, Route 66 will reimburse up to $125/night for 3 nights maximum or $375 to help subsidize the cost of hotel/meals in a frustrating time.
Battery Coverage
Battery replacement or repair is covered on some plans.
Total Loss Refund
If a vehicle is totaled, Route 66 will refund the entire MBP cost, regardless if there were any claims during the plan.1
Zero Dollar Deductible
All plans have this option.
If a covered vehicle is being sold, the MBP powered by Route 66 would transfer over at an additional cost.
Nationwide Coverage
Any Automotive Service Excellence (ASE) certified shop in the United States and Canada.

Add Mechanical Breakdown Protection.

Mechanical Breakdown Protection can be added during the application process. It can also be purchased separately at any time, for most of your vehicles, to keep you protected from costly repairs. Add it to:
Advia's Dealer Partner Program

Auto Loans

New or used vehicles, some restrictions apply.

Apply for an Auto Loan
Advia's Dealer Partner Program

Recreational Loan

New or used motorcycles and ATV/UTVs. RVs and boats are not covered.

Apply for a Recreational Loan

Make a claim.

Making a claim is easy, Simply contact or have a representative of the repair facility contact Route 66 before any work is performed by calling the Claims Department at 800.808.0828 or by emailing

Frequently asked questions.

Does auto insurance cover mechanical breakdowns?

No, regular auto insurance does not cover breakdowns or maintenance.

How much does MBP cost?

Plans vary depending on the vehicle year and mileage. Contact us at 844.238.4228 to get a quote on your vehicle.

What if I want to cancel my plan?

Our contract contains full details on our refund provisions. You have 30 days after purchase to obtain a full refund. After that, you are entitled to a pro-rated refund of the unused portion of your contract. Unlike some companies, we do not pro-rate your refund from the in-service date of your vehicle.

You may cancel the agreement by submitting a written request to Route 66, mailed to PO Box 1075, Mountain Home, AR 72654 or emailed to Include agreement number, reason for cancellation, and a notarized statement indicating mileage of the vehicle at the time of cancellation.

What if my vehicle is involved in an accident and totaled?

If your insurance company has deemed your vehicle a total loss as the result of an accident, Route 66 will refund the entire premium back to them or the financial institution on your behalf if you have purchased the Total Loss Refund option. Some restrictions apply. Contact Route 66 for eligibility information at 800.808.0828 or

Is my vehicle service contract transferable?

Absolutely, you can transfer the vehicle service contract to another private purchaser of your vehicle. Vehicles with service contracts typically offer much higher resale values because the buyer knows they are not going to get hit with huge repair costs.

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