Guaranteed Asset Protection

On average, a NEW VEHICLE depreciates 19% in the first year.1Newly purchased vehicles depreciate the second they’re driven off the dealer’s lot. When a vehicle is totaled in an accident or stolen and not recovered, your member could owe more than the vehicle is worth. GAP is designed to cancel the difference between the insurance settlement and the loan balance. Our choice-driven GAP and GAP with deductible assistance offer more feature options and more control than ever before.

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GAP is one of the products available in our comprehensive lending suite helping you protect more loans, more ways.

Benefits for You

  • Valuable protection options including no exclusions for wear and tear, excess mileage or prior damage
  • Member-friendly features such as no time limit to file a claim and more skipped payment options2
  • Easier and more efficient to offer GAP to members with Protection Advisor® Expert, our point-of-sale technology
  • Optimize and efficiently reconcile your program with on-demand reports

Additional Resources for Our Customers

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1 What is the Average Car Depreciation Rate- CarsDirect, May 23, 2016; 2 Skipped payment options not available in all states; 3 Loan Balances Reach All-Time High, Experian Automotive, April 21, 2017. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, and its subsidiaries and affiliates.