File a Mechanical Breakdown claim.
If your vehicle has suffered a covered mechanical or electrical failure, Optiom handles your claim directly. Call us before any repair work begins so we can authorize the diagnostic and walk you through what your Coverage A, B, or C plan pays for.
Call before any repair work begins — pre-authorization is required for your claim.
How MBP pays out for you.
Mechanical Breakdown Protection responds when a covered component on your vehicle fails during your coverage term. Your plan level — Coverage A (Powertrain), B (Comprehensive), or C (Complete) — determines which component groups are included, from engine and transmission through electrical, fuel, steering, and suspension systems.
Every plan carries a $100 deductible per claim, pays up to $7,500 per claim and $25,000 over the life of the policy, and includes rental reimbursement, towing, and trip interruption benefits so you’re not left stranded during repairs. Call us before any repair work begins so we can authorize your diagnostic.
vehicle.
Documents you’ll need.
Mechanical Breakdown claims start with a diagnostic from a licensed repair centre and your maintenance history. Gather these before you call and we’ll typically process your file within 3–5 business days once we have everything.
Benefits Request Form
Your signed form listing policy number, date of breakdown, described vehicle, and a description of the component failure. We’ll email this to you when we open your file.
Diagnostic & Repair Estimate
A written diagnostic and repair estimate from a licensed repair centre identifying the failed component(s) and the parts and labour required. Do not authorize repair work until we’ve reviewed this.
Service & Maintenance History
Service history showing scheduled maintenance has been kept up to date — oil changes, fluid services, and manufacturer-recommended intervals. Lapsed maintenance can affect coverage.
Vehicle & Banking Details
VIN, odometer at time of breakdown, and a void cheque or pre-authorized debit form for EFT payment.
What happens next.
Once your file is complete, most Mechanical Breakdown claims are reviewed within 3–5 business days. Here’s what to expect from submission to payout.
Day 1
We confirm receipt
Email submissions are reviewed in the order received. We’ll confirm what’s arrived, flag anything still missing, and reach out directly if we need clarification on the damage or repair details.
Days 3–5
Claim reviewed
Our claims team reviews the repair or replacement details against your policy’s coverage limits and eligibility conditions. If approved, you’ll receive a payout letter detailing the benefit that will be applied to your claim.
After approval
Benefit paid out
Your approved benefit is paid per your policy terms — either directly to the repair facility where possible, or reimbursed to you via EFT wherever we can. You’ll receive confirmation once the payment is issued.
Questions we hear most about MBP.
Answers to the questions we hear most often when a covered mechanical or electrical failure happens. Have something specific? Call us at 1-844-427-7587 before any repair work begins.
Related pages.
Ready to file?
We’re here when you need us.
Call before you purchase your replacement vehicle. Our claims team will walk you through exactly what your policy covers and what to send in.
