Major Mechanical Protection | SWBC

Major Mechanical Protection (MMP)

Each year, vehicles become more advanced with computerized functionality, built-in applications, high- performing engines, and luxury features that, if damaged, could cost hundreds of dollars to repair. By adding warranty protection to your product offering, you could protect your auto loan borrowers from costly repairs while generating a stream of non-interest income for your financial institution. Major Mechanical Protection (MMP) makes it affordable for your borrowers to keep and enjoy their vehicles longer. They pay for the warranty once, and in most cases, will not have to pay for anything more than a small standard deductible should a breakdown occur. And best of all, the total cost of MMP is often far less than the cost of a single repair.

The average new car warranty expires in

As time goes on, the likelihood or a major mechanical breakdown increases.

SWBC MMP activity between 2017-2022

Paid-Out Claims

Number of Claims Paid



Our program integrates with the industry’s top Loan Origination Systems and offers simple product presentation and payment quoting options through UNITY ®, our proprietary, web-based platform designed to streamline the lending and cross-selling process for your loan officers. The application instantly pre-populates payments, allowing your borrowers to get an accurate forecast of the predicted payment with supplemental MMP coverage.


Our world-class trainers will assist you in the step-by-step process of launching this program at your institution and provide your loan officers with all of the training and materials you need to sell the extended warranty to your borrowers. With a combination of instructor-led and web-based e-learning training, your team will gain the product and sales knowledge they need—quickly and efficiently.


We can help you design a comprehensive marketing plan to align product promotion with your strategic initiatives. We will provide you with print and digital marketing materials such as brochures, plasma messaging, and a private-labeled website to help maximize lead generation. All of these materials can be used to promote, educate, and motivate your team.

Dedicated Account Manager

Our team is dedicated to making the implementation process as streamlined and fast as possible. We also offer scheduled business performance reviews to help with program effectiveness and attaining your financial goals, along with billing and administrative processes and live chat assistance.


This platform allows your loan officers to streamline their lending and cross-selling process to better serve your borrowers and protect their investments.

Streamlined Integration Process

UNITY’s® integration process combines all loan and product information on one screen for ease of use and integrates with SWBC’s insurance programs and many other loan origination systems.

Training and Sales Support

Our representatives will assist you in the step-by-step process of launching this program at your institution and provide your loan officers with all of the training and materials you need to sell GAP products to your borrowers. This platform will generate real-time product quotes, make intuitive recommendations from one screen and provide everything you need to make your staff more efficient.

Verification of Accounts

Our Verification of Accounts service automates the manual verification of deposits and assets by electronically pulling your consumers' account data directly from thousands of financial institutions. With the consumer's authorization, a secure web-based platform accesses asset and liability accounts, and instantly helps evaluate ability to repay.

Better Protection, Simple Integration

LOS Express UNITY® is a web-based platform that helps loan officers streamline their lending and cross-selling efforts to better serve borrowers. UNITY combines all loan and product information on one screen for ease of use and integrates with SWBC’s insurance programs and other loan origination systems.

Create a menu of one to four packages of bundled products and assign a flat discount to encourage bundle sales.
Enhanced sales and administrative reporting which includes management dashboards, sales trends, and transaction detail.
Take advantage of improved product administration functionality for month-end reconciliation, product research, and remittance.
Leverage customer-facing videos that provide education on the importance of MMP (available in both English and Spanish).
Our representatives can help launch UNITY at your institution and provide loan officers with essential training and materials to successfully sell mechanical protection products to your borrowers. The platform helps generate real-time product quotes, make intuitive borrower recommendations, and improve overall staff efficiency.


Key Fob Coverage

Tire and Wheel


Limited Powertrain


Vehicle Return


Paintless Dent


Windshield Repair


Trip Interruption Coverage





  • Accepted in most licensed repair facilities in the U.S. and Canada
  • Generate non-interest income
  • Seamless implementation process guided by a dedicated SWBC representative
  • We provide training and materials for your loan officers
  • Your institution will gain access to UNITY®, our proprietary quoting tool
  • Enhances your auto portfolio protection

Since new car warranties don’t last forever and vehicle repairs are inevitable, give your auto loan borrowers coverage they can count on, with MMP from SWBC.

Contact Us

Are you an individual looking for MMP coverage?
Contact your lender directly for options.


Contact Us

This form is for new business inquiries from lenders only.

If you're a consumer interested in purchasing this product, please contact your financial institution. For client support, click here.

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