loans for every need (or want)


Apply Now
Mechanical Repair Coverage (MRC) is a high-quality, comprehensive coverage that pays for the cost of parts and labor for any covered vehicle mechanical repair. It provides the needed protection at the time your vehicle is most likely to need repairs. With different levels of coverage there is one that is the right fit for you. 

Offers a choice of deductibles to fit members’ needs. 
  • Deductible is per repair visit, not per component repaired.
  • Platinum and Gold Plan deductible options: $0, $100, $250.
  • Silver Plan deductible options: $100, $250.

  • Coverage:
  • Is good at any authorized, licensed repair facility in the U.S. or Canada.
  • Is transferable for a $50 fee (when you sell your car to a private party/owner).
  • May be cancelled at any time on a pro rate basis.
  • Provides add-on term/add-on miles so the member gets all the coverage purchased. Coverage does not revert back to original vehicle in-service date.
  • Coverage pays for the cost of parts and labor for any covered repair based on plan purchased.

  • The Plan also includes:
  • Rental Reimbursement up to $35 per day for up to 5 days if your car is kept for service overnight. If there is a parts delay, members can get up to an additional 5 days.
  • 24-hour, toll-free roadside assistance and towing with the sign and drive feature.
  • Covers emergency travel expense up to $500 for lodging, meals, and transportation if the member’s car breaks down or they get in a collision more than 100 miles from home.

  • Mechanical Repair Coverage

    Three Levels of Coverage

    Good for New or Used Vehicles

    Vehicle's mileage determines

    which plan is best for you

    Platinum Our most comprehensive plan and our named exclusion level of coverage. Covers everything on the member’s vehicle except 5 small categories of items. Vehicles with 70,000 odometer miles or less and current through twelve model years old.
    Gold Provides coverage for ten major component groups, and is considered a value-minded plan. Vehicles with 100,000 odometer miles or less and current through twelve model years old.
    SilverProvides coverage for nine major component groups. A basic yet robust plan. Vehicles with 120,000 odometer miles or less and current through twelve model years old.

    Frequently Asked Questions

    Who do I contact for a quote or more information?
    Contact us at 808-73-PHFCU (737-4328).

    Who do I contact to make a claim for repairs or to locate an authorized repair facility?
    MRC Claims Administration: 1-800-752-6265; 7:00am-7:00pm CT, M-F

    What should I do in the event of a breakdown?
  • You should take the vehicle or arrange to have the vehicle taken to an authorized repair facility in the U.S. or Canada. If the vehicle needs to be towed, the member should call for roadside assistance (Call 1-866-603-5420).
  • You should authorize the repair facility to perform the necessary diagnosis and get a repair estimate.
  • The repair facility should call the claims center for authorization PRIOR to beginning repairs.
  • Once the repair facility has obtained an authorization number, the repair facility should perform the repairs.
  • Upon completion of the repairs, the repair facility should bill the Administrator for authorized repairs. The Administrator will pay the repair facility by corporate credit card or direct bill, whichever is preferred by the repair facility.
  • You should pay the repair facility any required deductible and the cost of any repairs not covered by the agreement/policy.

  • Who do I contact for 24 hour emergency roadside assistance?
    Call 1-866-603-5420

    Can I purchase Mechanical Repair Coverage (MRC) after I have already purchased my vehicle and have my car loan?
    Yes, you can purchase MRC on your vehicle that is 10 years old or newer with 100,000 miles or less regardless of when it was purchased or financed.

    What is eligible and when can the coverage be purchased?
    Coverage is available for any new or used vehicle current through 12 model years old with 120,000 odometer miles or less at the time of coverage purchase.

    What vehicles are not covered by the program?
  • Vehicles used commercially.
  • Salvage or rebuilt titled vehicles.
  • Trucks rated more than 1 ton.
  • Motor homes.
  • Motorcycles.
  • Non-U.S. Specification Vehicles.
  • Note: “Modified” vehicles are eligible for coverage but claims will be denied if resulting from the modifications made. 

     What coverage exclusions are there?
  • General maintenance is not covered under any of the MRC policies.
  • Pre-existing conditions (condition that existed prior to the purchase of the policy/agreement).
  • Aftermarket items not installed by the manufacturer.
  • Other exclusions as listed in the policy/agreement.
  • Gold and Silver levels of coverage: any system or component not specifically listed on the MRC policy/agreement.

  • When does coverage terminate?
  • Coverage term expires when its time or mileage limit is reached (whichever occurs first).
  • Coverage should be canceled if the vehicle is a total loss or repossessed.
  • May be cancelled by you at any time for at least a pro-rata refund.