Mechanical Breakdown Protection

What Mechanical Breakdown Protection does

Mechanical Breakdown Protection, Inc. (MBPI) is a private, employee-owned F&I product administrator founded in 1981 in St. Louis, Missouri by James W. Orr, Jr. and Chick Bright, and currently headquartered in Lee's Summit, Missouri under the leadership of Kevin Orr. The company designs, markets, and administers a portfolio of vehicle service contracts (Preferred Program for franchised dealers and Forward Motion for independent dealers, with coverage tiers Powertrain Care, Classic Care, Custom Care, and Premier Care) and a broad suite of ancillary F&I products including GAP, Total Loss Care, Tire & Wheel, Total Protection Package, Certified Maintenance, Premier Lease Care, Certified Pre-Owned, Lifetime Limited Warranty, OEM Technology Protection, MBP ID Fraud Solutions, MBPI Theft Secure, and ResistAll NG2 exterior/interior coatings. All products are fully insured by AM Best A-rated (Excellent) carriers, and the company holds an A+ Better Business Bureau rating, reporting more than 1 million service contracts administered over its 39+ year history.

MBPI's distribution model is exclusively indirect: products are sold through authorized automotive dealerships and independent F&I agents operating across all 50 U.S. states and Canada, with no direct-to-consumer channel. The technology stack centers on a web-based rater/remit portal for dealers and agents, the CLARITY tablet-based mobile F&I presentation app (iOS/Android) integrated with the rater, and the MBPI Performance Institute online learning management system launched in 2020 to train dealership personnel at no cost. Supporting infrastructure includes MBP Finance, a wholly-owned subsidiary offering standalone payment plans for F&I products, and an integration with SafeRide Motor Club for emergency roadside assistance bundled with service contracts.

The revenue model is primarily one-time at the point of sale through dealer and agent channels (administering fees, premium retention, and product economics on VSCs, GAP, appearance protection, coatings, and theft deterrent products), supplemented by recurring subscription economics on certified maintenance and identity theft protection products. The company has no external institutional ownership (no PE/VC), no public listing, no disclosed acquisitions or funding rounds, and no AI/ML capability disclosed in the source data. Operational scale is modest, with 11-50 employees supporting a national multi-product F&I administration business, and competitive positioning is anchored on long-tenured underwriting relationships, claims-handling expertise (200+ combined years of ASE-certified adjusters), and live-operator customer service rather than technology differentiation.

Name

Mechanical Breakdown Protection

Legal name

Mechanical Breakdown Protection, Inc.

Website

https://mbpnetwork.com

Company type

Private

Founded year

1981

Operating status

Operating

Headcount range

11–50 employees

Short description

Mechanical Breakdown Protection, Inc. (MBPI) is an employee-owned F&I product administrator founded in 1981, selling vehicle service contracts, GAP, and ancillary protection products through a nationwide U.S. network of authorized dealerships and independent F&I agents.

Ownership category

akta.pro rank

Product category

Vehicle Protection Products and F&I Administration

NAICS

Electromedical and Electrotherapeutic Apparatus Manufacturing (334510), Surgical Appliance and Supplies Manufacturing (339113)

akta.pro primary industry

Vehicle Extended Warranty (VSC) & Mechanical Breakdown Insurance (MBI) (FSAJALAA)

Keywords

• Extended auto warranties
• Vehicle service contracts
• F&I product administration
• Guaranteed asset protection
• Auto dealer services

Headquarters

HQ city

Lees Summit

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations

Revenue model

1. Vehicle Service Contracts: Extended warranty products that pay the cost of parts and labor for covered mechanical breakdown repairs. Offered in multiple coverage levels (Powertrain Care, Classic Care, Custom Care, Premier Care) for new and pre-owned vehicles.
2. GAP (Guaranteed Asset Protection): Waives the difference between primary insurance settlement and outstanding loan balance in the event of a total loss. Features include $50,000 claim limit with up to $1,000 toward deductible.
3. Total Loss Care: Provides down payment allowance up to $5,000 towards a replacement vehicle when the original vehicle is declared a total loss.
4. MBP ID Fraud Solutions: Identity theft protection product with financial reimbursement and legal network access, up to $50,000 aggregate limit.
5. Certified Maintenance: Dealer-designed maintenance plans that lock in pricing for routine maintenance using manufacturer-certified technicians.
6. ResistAll NG2: Exterior and interior protective coating products administered in partnership with CalTex Protective Coatings.
7. Premier Lease Care: Coverage for lease end wear and use fees, with optional mechanical breakdown coverage. Pays up to $5,000 in lease end fees.
8. OEM Technology Protection: Service contracts covering high-tech vehicle components including navigation, cameras, sensors, and electronic systems.
9. MBP Finance Payment Plans: Financing option for MBPI products when adding to vehicle loan is not possible, enabling consumers to pay for F&I products separately.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

MBPI is an employee-owned administrator of vehicle and financial protection (F&I) products sold primarily through a U.S. network of auto dealerships and independent F&I agents. Its core offering is the Vehicle Service Contract (Preferred Program and Forward Motion program) with multiple coverage tiers (Powertrain Care, Classic Care, Custom Care, Premier Care), supplemented by GAP, Total Loss Care, appearance protection, theft deterrent, maintenance, and identity theft products, supported by proprietary technology (CLARITY app, MBPI Rater, MBPI Performance Institute).

Product overview

Mechanical Breakdown Protection, Inc. (MBPI) is an F&I product administrator and employee-owned company offering an integrated portfolio of vehicle and financial protection products primarily through automotive dealerships. The core offering is the Vehicle Service Contract (VSC) program, available in two variants: the Preferred Program (with coverage tiers Powertrain Care, Classic Care, Custom Care, and Premier Care) for franchised dealers, and the Forward Motion program for independent dealers. These core VSC products are supplemented by a broad suite of add-on modules including: Total Loss Care (replacement vehicle allowance), GAP (guaranteed asset protection), Certified Pre-Owned, Lifetime Limited Warranty, OEM Technology Protection, Premier Lease Care, Total Protection Package (bundled appearance protection), Tire and Wheel, Certified Maintenance, MBP ID Fraud Solutions, MBPI Theft Secure, and ResistAll NG2 (protective coating). Supporting the product portfolio are three platforms: CLARITY (a tablet-based F&I presentation and consumer engagement mobile app integrated with the MBPI Rater system, available on iOS and Android), MBP Finance (payment plan financing), and MBPI Performance Institute (online F&I training). All products are underwritten by AM Best A-rated insurers. MBPI also integrates with SafeRide Motor Club for emergency roadside assistance.

Differentiator

Problem solved

Functional benefit

Brands

• CLARITY: Mobile app that transforms the consumer delivery experience in the F&I process with engagement, efficiency and empowerment.
• MBPI Performance Institute
• Forward Motion
• SafeRide Motor Club

Products and services

• Vehicle Service Contract (Preferred Program)

Quantifiable outcome

• Over 1 million service contracts administered over 39+ years
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• CalTex Protective CoatingscoreStrategic or Co-development PartnerMBPI partnered with CalTex Protective Coatings to bring the ResistAll product line to dealerships. This partnership combines MBPI's award-winning administration with CalTex's NG2 coating technology, which uses positively-charged particles and nanoparticles to create hydrophobic protection for vehicle exteriors and interiors.
• SafeRide Motor Club, Inc.coreTechnology or IntegrationSafeRide Motor Club provides 24-hour emergency roadside assistance to MBPI contract holders. Services include towing, battery service, flat tire change, lock-out, and fuel delivery. SafeRide also reimburses meals and lodging for breakdowns occurring more than 100 miles from home.

Scale indicators4 records

Recent moves8 records

Expansion highlights5 records

Emerging players

• CarShield: CarShield is a leading direct-to-consumer vehicle service contract provider with a heavy digital/marketing-driven model. Compares to MBPI on the core VSC product line but competes in a different distribution channel (consumer-direct vs. dealer-F&I), representing both an adjacent competitor and a potential channel-disruption risk.

Direct peers

• Fidelity Warranty Services (FWS): Fidelity Warranty Services administers extended service contracts and ancillary auto protection products marketed through dealers and agents — a direct competitor to MBPI in the franchised and independent dealer VSC market.
• Trinity Warranty Solutions (F&I admin arm of Trinity): Trinity Warranty Solutions administers new and used-car VSCs and ancillary F&I products through independent agents and franchised dealers — a direct competitor to MBPI in the agent-sold VSC market with similar coverage tiers and dealer training programs.
• Warrantech / AmTrust Warranty Solutions: Warrantech/Warranty Solutions administers automotive extended service contracts and consumer protection plans sold through dealer and retail channels. Directly comparable to MBPI as a VSC administrator with multi-tier coverage and similar dealer-led distribution.
• AUL Corp (American Auto Shield / AUL Warranty & Service Contracts): AUL Corp is a national administrator of vehicle service contracts and ancillary F&I products marketed through dealers and agents. Closely mirrors MBPI's core Preferred Program VSC business and dealer/agent distribution model.
• Easycare (Trinity Warranty Solutions / APCO Holdings): Easycare is one of the largest independent administrators of vehicle service contracts, GAP, tire & wheel, and other F&I products in the U.S., sold through franchised and independent dealerships — directly competing with MBPI's Preferred Program and Forward Motion offerings on product breadth, dealer training, and dealer technology.

Broad incumbents

• Assurant (Assurant Dealer Services / Assurant Vehicle Care): Assurant is a large, publicly traded incumbent that administers extended vehicle service contracts, GAP, and other F&I products through dealers and lenders. Highly comparable to MBPI as a multi-product vehicle protection administrator serving the same dealer/agent channel with a much larger portfolio and balance sheet.
• Allstate Dealer Services: Allstate Dealer Services distributes extended vehicle protection plans, GAP, and other F&I products through dealer relationships under the Allstate brand. Comparable to MBPI as a large insurer-backed administrator with overlapping VSC and ancillary product offerings.
• Premier Dealer Services (PNC Financial Services Group subsidiary): Premier Dealer Services is a major F&I product administrator (owned by PNC) offering VSCs, GAP, and ancillary products to franchised dealers nationwide. Comparable to MBPI as a multi-product administrator leveraging bank/financial parent backing for underwriting.

Others

• CalTex Protective Coatings: CalTex is MBPI's core coatings partner for the ResistAll NG2 product line, and is itself a coatings technology provider selling into the dealer channel. Adjacent rather than competing — CalTex is a strategic supplier/co-marketer that shares MBPI's dealer F&I distribution.

Market position

Strengths1 record

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/mechanicalbp
• Facebookfacebook.com/Mechanical-Breakdown-Protection-Inc-285139051616797
• LinkedInlinkedin.com/company/mechanical-breakdown-protection-inc-mbpi-

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Mechanical Breakdown Protection