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GAP Plus & MRCGAP and MRC Coverages

Relax and Enjoy Your New Vehicle Knowing It’s Fully Protected!

Give yourself peace of mind knowing you’re covered in case of an accident, theft, or basic wear and tear with Guaranteed Asset Protection Plus (GAP Plus) and Mechanical Repair Coverage (MRC).

Guaranteed Asset Protection (GAP) Plus with Deductible Assistance*

Fair market insurance value isn't always fair. There may be a gap.

Protect your vehicle loan - purchase GAP Plus with Deductible Assistance today!

If your vehicle is deemed a total loss due to an accident or theft, you may wind up owing more on your loan than your auto insurance will cover. GAP Plus with Deductible Assistance may reduce or even eliminate that shortfall in the event your vehicle is deemed a total loss and may help reduce your next loan at the credit union, making it easier to get the replacement vehicle you’ll need. Also, if auto repairs cost more than your deductible, the deductible amount is applied to your loan, reducing what you owe.

Essential financial protection on your vehicle loan that helps you drive with confidence. Talk to us today about how we can help protect you from sudden out-of-pocket expenses with Guaranteed Asset Protection.

GAP Plus Brochure


Mechanical Repair Coverage (MRC)**

As your vehicle gets older, the risk and cost of repairs increases.

Drive with confidence, knowing you have Mechanical Repair Coverage.

Mechanical Repair Coverage may help limit unexpected covered repair costs as your vehicle ages, potentially saving your budget from future unexpected repair costs. What’s more, it can be used at any authorized repair facility in the continental United States of America, Alaska, Hawaii, and Canada.

With MRC you can enjoy many valuable benefits among which are:

  • Substitute Transportation: up to $50 per day up to a maximum of 10 days, available on the first day of coverage. Options for traditional rental cars or rideshare are available.
  • 24-emergency roadside assistance: up to $125 per occurrence, includes towing, battery jumpstart, fluid delivery, flat tire assistance, lock-out service, and extracting your vehicle from an inaccessible area within 50 feet of a paved road or highway.
  • No out-of-pocket expense (except for any deductible): the administrator pays the repair facility directly for the covered repair

Help protect yourself from unexpected costly covered repairs – Talk to us to find out what Mechanical Repair Coverage plan is right for you.

MRC Brochure


*Your purchase of MEMBERS CHOICETM Guaranteed Asset Protection (GAP), which includes deductible assistance, is optional and will not affect your loan application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid.

GAP-3415626.2-0522-0624 CUNA Mutual Group ©2022, All Rights Reserved.

**Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in NH, where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX, where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. The purchase of Mechanical Repair Coverage is optional. This document provides general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured of like kind and quality.

MRC-3415612.3-0523-0625 ©TruStage

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