Mechanical Breakdown Protection

Life doesn’t stop for repairs.

Knowing you’re protected when your vehicle breaks down — and that coverage is available for significant repair expenses — gives you the peace of mind to drive with confidence every day. Optiom’s Mechanical Breakdown Protection covers the parts and labour to repair or replace failed components after your factory warranty ends.

Ask for Optiom Mechanical Breakdown Protection when you buy or lease your next vehicle.

Mechanic performing vehicle inspection
#1 in Canada
Specialty Vehicle Protection
600,000+ Policies
Sold through our dealer network
New & Pre-Owned
Coverage available on both
Dealer-Exclusive
Only sold at dealerships

WHY IT MATTERS

One Repair Bill Can Set Your Whole Year Back.

Modern vehicles are packed with sensors, computers, hybrid and EV components, and complex transmissions — parts that are expensive to diagnose and expensive to replace. Once your factory warranty expires, a single failure of the engine, transmission, electrical system, or climate control can easily run into the thousands. Mechanical Breakdown Protection covers the parts and labour to repair or replace those failed components at any licensed repair centre in Canada or the U.S., so you’re not choosing between the repair and the rest of your budget.

An interesting but alarming statisticAccording to a 2024 AAA study, the average unexpected vehicle repair now costs Canadian and U.S. drivers between $500 and $600 — and nearly one in three drivers can’t cover a repair of that size without going into debt.

Mechanic repairing vehicle engine

Your Next Move

Ask for Optiom Mechanical Breakdown Protection when you buy or lease.

Mechanical Breakdown Protection is available exclusively through Optiom's partner dealerships. Ask your dealer for it by name when you're closing on your next vehicle — it's added to your paperwork right there at delivery.

Call 1-844-427-7587
Trusted Protection Solutions

Canada’s Largest Provider of Specialty Vehicle Protection.

Originating in British Columbia since 2008 and now headquartered in Calgary, Alberta, Optiom has grown to deliver dependable protection through an extensive national network of dealerships, with well over 600,000 policies sold to date.

Optiom provides Canadians with specialized protection solutions built on a system of stability, expertise, and a proven commitment to customer support.

600K+
Policies Sold
100+
Employees
2008
Founded in BC

Coverage Details

How Mechanical Breakdown Protection Pays Out for You.

Choose the level of protection that fits how you drive. All three coverage options include a $100 deductible per claim, a maximum benefit of $7,500 per claim, and up to $25,000 per policy — plus rental, towing, and trip interruption at no additional cost.

**Coverage A — Powertrain**

The Essentials Plan

Covers your car’s most critical mechanical systems — the ones that keep the vehicle moving and are the most expensive to repair when they fail.

  • Engine and internal components

  • Transmission and drivetrain

  • Drive axle, differential, CV joints

  • Rental, towing & trip interruption included

Maximum Benefit

$7,500 per claim

**Coverage B — Comprehensive**

The Everything-But Plan

Covers everything on your car except the powertrain — including the systems that fail more frequently as vehicles age.

  • Brakes, steering, suspension

  • Climate control and cooling system

  • Electrical (incl. Hybrid, PHEV, EV)

  • Fuel system, sensors, infotainment

  • Rental, towing & trip interruption included

Maximum Benefit

$7,500 per claim

**Coverage C — Complete**

The Full Package

Combines everything in Coverage A and Coverage B into a single, complete plan — powertrain plus every other major mechanical system on your vehicle.

  • Everything in Coverage A

  • Everything in Coverage B

  • Hybrid, PHEV, and EV components included

  • Rental, towing & trip interruption included

Maximum Benefit

$7,500 per claim

Bamboo Premium Financing

Flexible Payment Options

Pay monthly with Bamboo Premium Financing

Don’t want to pay your Optiom policy up front? You don’t have to. Through our partnership with Bamboo Premium Financing, you can spread the cost of your coverage into affordable monthly payments — with fast approvals, fair rates, and a friendly Canadian team behind every application.

  • Simple monthly payment plan
  • Fast approval, minimal paperwork

  • Available on all Optiom products

Financing subject to Bamboo Premium Financing approval and terms.

**Program Eligibility**

Who Qualifies?

All conditions below must be met at time of policy issuance and maintained throughout the coverage term. Both personal-use and business-use vehicles qualify; commercial use is not eligible.

**Vehicle & Purchase Requirements**
  • 1

    Vehicle must be **9 model years old or newer** at time of policy issuance

  • 2

    Odometer reading **under 200,000 km**

  • 3

    Vehicle purchase price between **$10,000 and $200,000**

  • 4

    Policy must be purchased **within 30 days** of vehicle delivery

**Use Conditions**
  • 1

    Vehicle must be used for **personal or business purposes** only

  • 2

    **Commercial use is not eligible** (rideshare, delivery fleet, taxi, etc.)

  • 3

    Coverage is available on both **new and pre-owned** vehicles that meet the requirements

Take It With You

Download the Mechanical Breakdown Protection Brochure

A printable one-pager with the full component coverage breakdown, term options, and plan eligibility. Save it, print it, or bring it with you to your dealership.

Download PDF

Common Questions

Straight Answers.

What exactly does Mechanical Breakdown Protection cover?

Mechanical Breakdown Protection covers the parts and labour to repair or replace failed mechanical components on your vehicle after the factory warranty expires. What’s covered depends on the plan you choose: Coverage A protects the powertrain (engine, transmission, drivetrain); Coverage B covers everything except the powertrain (brakes, climate control, cooling, electrical, fuel, steering, suspension); Coverage C combines both into a complete plan. Every plan also includes rental reimbursement, towing, and trip interruption at no additional cost.

Take your vehicle to any licensed repair facility in Canada or the United States. Before work begins, the repair shop contacts Optiom’s claims line, and an Optiom claims representative reviews and authorizes the repair directly with the shop. You pay your $100 deductible; Optiom pays the shop for the rest, up to the coverage limit. You don’t need to submit paperwork or negotiate with anyone — the shop and Optiom handle it.

No. Mechanical Breakdown Protection is separate from your primary auto policy and doesn’t replace it. Your primary auto policy covers accidents, theft, weather damage, and third-party claims. Mechanical Breakdown Protection covers something your primary auto policy doesn’t — the cost of repairing or replacing components that fail on their own after your factory warranty ends. The two work independently and cover different things.

Yes. Under Coverage B and Coverage C, the plan covers the electric drive system, electric motor, power inverter, onboard charger and charging port, regenerative braking system, and HVAC — all included under the Electrical System component group. Coverage A (Powertrain only) is available for hybrid vehicles where the internal combustion engine is the primary drivetrain. Talk to your dealer about which plan fits your specific vehicle.

Your vehicle must be 9 model years old or newer, under 200,000 km on the odometer, with a purchase price between $10,000 and $200,000. Both new and pre-owned vehicles qualify. Personal-use and business-use vehicles are eligible; commercial use (rideshare, delivery fleet, taxi) is not covered. Your dealer can confirm eligibility on the specific vehicle you’re buying.

Coverage must be purchased within 30 days of vehicle delivery. The best time to ask about it is at the dealership when you’re closing on the vehicle — your F&I manager will add it to your paperwork right there. If you’ve recently taken delivery and haven’t yet enrolled, contact your dealership as soon as possible; once the 30-day window closes, the policy can no longer be added to that vehicle.

Also from Optiom

More Ways to Protect Your Vehicle

Vehicle Replacement Insurance

Bridges the gap between the market value after a total loss and the actual cost to replace your vehicle.

Tire & Rim Protection

Covers repair or replacement costs for tires and rims damaged by potholes and everyday road hazards.

Guaranteed Asset Protection

Covers the shortfall between your primary auto insurer’s payout and what you still owe on your loan or lease after a total loss.

Appearance Protection

Protects your vehicle’s interior and exterior finish from everyday wear — stains, scuffs, minor dents, and paint damage.

For Dealer Partners

Add Mechanical Breakdown Protection to Your F&I Menu.

Are you a dealership? Become an Optiom partner and offer Mechanical Breakdown Protection at point of sale. Here’s what you get:

Dedicated Dealer Rep

Every partner dealership is paired with a dedicated Optiom representative for training, product questions, and day-to-day support.

F&I Training & Materials

Your team receives full product training, presentation frameworks, and customer-facing collateral to integrate GAP into every delivery.

Claims Handled by Us

When a customer files, Optiom’s in-house claims team manages the process end-to-end and coordinates with everyone involved — the customer, their lender, and your dealership when applicable.