GAP Insurance

Our members are our number one priority, which is why we offer Guaranteed Asset Protection (GAP).
One-time affordable payment Member Discounts available Deductible Assistance $1,000 toward a new vehicle

Members can cancel at anytime during their loan; they must do so within 90 from enrollment date to receive a full refund without a cancellation fee. A refund will not be issued if a member cancels after 90 days of enrollment.

New and Used Vehicles Covered Under GAP

  • AutomobilesAutomobiles
    e.g., Standard Vehicles
    & Passenger Vans
  • Power SportsPower Sports
    e.g., Jet Skis
    & Snowmobiles
  • WatercraftWatercraft
    e.g., Sailboats
    & In/Outboards
  • RVsRVs
    e.g., Fifth Wheels
    & Camper Units

Cover the Difference

In the event that your vehicle is stolen and not recovered, or totaled in an accident, GAP coverage helps to cover the difference between the Actual Cash Value (ACV) of your vehicle and the unpaid balance that is owed to the Credit Union. This ACV is determined by your primary insurance company.

Example of How GAP Can Help You

Year 1, Vehicle Purchased
$35,000 Auto/RV Loan
$4,000 Paid toward loan
Year 2, Vehicle Stolen/Totaled
$30,000 ACV determined by primary insurance company
($2,000) Deductible
$28,000 Payout from primary insurance
Summary: $31,000 owed on loan
- $28,000 paid from primary insurance
= $3,000 unpaid loan balance
GAP helps cover the $3,000
Add GAP Coverage today. Stop by or give us a call.

Be Prepared, Be Protected

At Advia, we make being protected affordable. Right now, GAP policies are as low as $425.00; however, members may pay less after qualifying for a discount. Standard policies cover up to 84 months, or the end of the loan, whichever comes first. On average, a GAP policy can cost you as low as $0.16 a day.

Discover How $0.16 a Day Can Save You Thousands

Cost Term
$425.00 84-month policy
Or $60.71 year
Or $5.06 month
Or $0.16 day

Save Even More

If you have an Advantage Plus, e-Checking, or Advantage Checking Account, you may be eligible to receive a $25 discount on your policy. Learn more about our Member Advantage Checking Accounts.

A Bonus for Automobiles

Deductible Assistance (DA) can help reimburse the comprehensive or collision deductible if a vehicle is damaged, but not deemed a total loss. If the repairs cost more than the deductible, the deductible amount is refunded to the member. DA is included in our GAP policy and can help cover up to $1,000 of the deductible. The vehicle must have an Advia GAP policy covering terms up to 84 months and cannot be used for more than two claims within a 12-month period.

Add GAP Anytime

Simply call 844.238.4228.
Easy to add

We Make It Easy

Add GAP when you get your
new loan and we'll make it
part of your monthly payment.

It's Not Too Late

It's Not Too Late

Already made your purchase? You can still add low-cost GAP insurance by making a one-time payment.

How to File a Claim

Simply call or email us. We'll walk you through the next steps and request any needed documentation.
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Feel free to contact us with additional questions.