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Guaranteed Asset Protection (GAP)
Plus with Deductible Assistance.

GAP is a great way to protect your finances if the value of your vehicle is less than the amount of your vehicle loan. A good rule of thumb is to assume your new vehicle will depreciate more than 20% after the first year you own it, half of which occurs the minute you drive it off the lot.1 This leaves a gap between what you owe on your loan and the value of your vehicle if it’s deemed a total loss due to an accident or theft. Adding GAP may reduce or eliminate the gap between what your vehicle insurance will pay and what you owe on your loan.
One-time payment Advia member discount available Deductible Assistance $1,000 waived from a new vehicle loan with us
Policy & Deductible Assistance
How to Add GAP
File a Claim With Advia

New and used vehicles covered under GAP.

Policy & Deductible Assistance
How to Add GAP
GAP FAQs
Add GAP today. Give us a call.

Be prepared, be protected.

Right now, GAP is as low as $475. Standard GAP protects up to 84 months, or the end of the loan, whichever comes first. On average, GAP can cost you as low as $0.18 a day. Plus, you may be eligible to save even more with Advantage Plus Rewards.2
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Advantage Plus Rewards

Discover how $0.18 a day can protect your loan.

Cost Term
$475.00 84-month policy
Or $67.87 year
Or $5.65 month
Or $0.18 day

A bonus for automobiles.

Deductible Assistance (DA) is designed to provide financial relief when your vehicle is damaged, but not deemed a total loss. If auto repairs cost more than your deductible, the deductible amount is applied to your loan, reducing what you owe. DA is an additional benefit of GAP and can help with up to $1,000 of the deductible. The vehicle must have Advia GAP with DA, including terms up to 84 months and cannot be used for more than two claims within a 12-month period.
Vehicles Covered
How to Add GAP
GAP FAQs

Save even more with Advantage Plus Rewards.

Members who qualify for Advantage Plus Rewards will receive a $25 discount on their GAP coverage.2
Advantage Plus Rewards
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Add GAP anytime.

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 GAP by making a one-time payment.

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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.

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No matter what your financial goals and needs may be, we have a solution that will work perfectly for you.

GAP questions.

How much is it to add GAP to a new or existing loan?

A one-time amount of $475. If you qualify for Advantage Plus Rewards, you will receive a discount of $25 at time of purchase. GAP can be added anytime during your loan or paid separately.

Are there restrictions on vehicles that don’t qualify for GAP?

A motor vehicle does not qualify if it’s 1. used to transport passengers for compensation, including but not limited to taxi cabs or ride-sharing, 2. used for racing, 3. an emergency vehicle, 4. a classic vehicle, 5. salvaged or previously salvaged title vehicle, or 6. any vehicle deemed a total loss, junked, rebuilt, or reconstructed.

Is there a special type of insurance I need to add GAP?

You must have full comprehensive and collision damage insurance coverage at all times. Advia Credit Union must also be the loss payee.

What vehicle types can qualify for Deductible Assistance (DA) if GAP is in effect?

Only a motor vehicle such as an automobile, light truck, or van, qualifies for DA. Powersport vehicles such as a motorcycles, ATVs, snowmobiles, or recreational vehicles/watercraft, do not qualify.

GAP Claim Questions

Is there anything I need to know about the online document upload feature?

Please note the following important information to eliminate processing delays:

  1. Document format: Acceptable document formats are PDF, Word, Excel, TIF, PNG, and JPG
  2. Document size limit: 40 MB per document
When should I expect contact from my Claim Professional?

You can expect contact from your Claim Professional within 48 hours (M-F) of submitting the Notice of Loss Form if claim decision has not been determined.

How long does the claim process take?

All information received will be reviewed within 5 business days from the date of receipt.

How are payments made?

If it is determined that the claim is payable, a settlement payment will be sent to your credit union via Electronic Funds Transfer (EFT) or a check to apply to your loan.

Are there steps I can take to ensure a claim is processed in a timely manner?

Below are tips to ensure timely processing of your claim:

  1. Be sure to completely fill out your Notice of Loss Form. Keep in mind that this is not the final determination of the claim amount.
  2. Be sure to include all supporting documentation.
  3. Avoid sending any unnecessary documentation.
  4. If possible, submit Notice of Loss Form and all supporting documentation using the online application. This will avoid any mail delivery delays.

1 How Much Value Will a New Car Lose? CARFAX, Nov 9, 2018. Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is optional and will not affect your 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. 2 Must have an Advantage Plus Checking status at time of purchase to receive discount. All loans subject to approval. Advia is an Equal Opportunity Lender. GAP-2453288.1-0319-0421 © CUNA Mutual Group, 2019. All Rights Reserved.