Guaranteed Asset Protection (GAP)

Protect yourself from unexpected vehicle loss. When you finance a car, truck, or recreational vehicle, its value can drop faster than your loan balance. If your vehicle is totaled in an accident or stolen, standard auto insurance may only pay the current market value — which could be less than what you still owe. That’s where Guaranteed Asset Protection (GAP) comes in.

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Why choose to add GAP coverage?

GAP covers the “gap” between your vehicle’s depreciated value and your outstanding loan amount if your car is declared a total loss.1

  • Add GAP to a new or existing qualified loan at any time2
  • Coverage for as low as $0.23 a day, or $7.13 per month
  • Save even more if you qualify for Advantage Plus Rewards3
  • $1,000 towards your next vehicle loan with Advia

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GAP insurance covers the difference between your remaining loan balance and your insurance settlement, so you’re not left paying out of pocket for a car you can’t drive.

Here's an example of how GAP will work for you.

Suppose you owe $15,000 on your auto loan, but your insurance company values your totaled car at only $10,000. Without GAP, you’d be responsible for the remaining $5,000. With GAP, that balance is paid for you — so you can move forward without financial stress.

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What vehicles are covered?

  • Standard cars and trucks
  • Power sports vehicles
  • Watercraft
  • Recreational vehicles (RVs)

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How much does GAP cost?

  • One-time fee: As low as $599 for up to 84 months of coverage.
  • Flexible payments: Add GAP to your monthly loan payments.
  • Discount: Get $25 off with Advantage Plus Rewards status.

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How to add GAP.

  • At loan origination: Add GAP when you first finance your vehicle.
  • After purchase: Already have a loan with us? You can still add GAP by making a one-time payment. There’s no need to wait until your next vehicle.

Ready to add Guaranteed Asset Protection? Give us a call or schedule an appointment at your local branch to get started.

If you purchased GAP insurance with Advia, we will file the GAP claim for you once we receive your Insurance Company's settlement check.

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Not sure if GAP coverage is right for you? We’re here to help you decide.

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  1. Your purchase of GAP Advantage is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us. We will give you additional information before you are required to pay for GAP Advantage. This information will include a copy of the GAP Waiver which will contain the terms and conditions of the GAP Advantage benefit. There are eligibility requirements, conditions, and exclusions, including a loan-to-value maximum that may cap the benefit you receive from GAP Advantage. You should carefully read your GAP Waiver for a full explanation of the benefits, rules, terms, and conditions of the program.
  2. Not available on Lease Loans.
  3. Must be qualified for Advantage Plus Reward Status at time of purchase to receive discount.