Consumer Loan Payment Protection

Protecting yourself, your family and your property from life's unexpected events requires planning. That's why SDCCU provides choices for insurance protection services. From vehicle protection to personal protection, we carefully choose products and service providers to ensure our members have the best possible choices.

Proof of Insurance
If you have an auto or home loan with San Diego County Credit Union, you may be required to provide proof of insurance. SDCCU has partnered with Allied Solutions to track and verify insurance coverage. If you have received a letter from Allied Solutions asking for verification of insurance, please update your insurance information.

You may also fax your proof of insurance to (858) 597-2593 or bring it to any SDCCU branch. For more information, please contact Allied Solutions directly at (877) 732-2848, ext. 7550, or visit Allied Solutions online.

Guaranteed Asset Protection

Protect your vehicle investment with Guaranteed Asset Protection (GAP). If your new or used vehicle is stolen or involved in an accident, GAP can shelter you from a potential loan deficiency by covering the "gap" between the value of your vehicle and the amount you owe on the loan. GAP is designed for all drivers, whether you finance a new or used vehicle and covers automobiles, vans and light trucks.

GAP covers the difference between your primary insurance company's Actual Cash Value determination and the payoff of your loan.¹ Delinquent payments, late charges, refundable service warranty contract, other insurance-related products and interest charged after the date of loss will be deducted from the GAP settlement.

Should you suffer a total loss or unrecoverable theft, GAP provides an additional benefit of $1,000 toward the down payment for your replacement vehicle. To qualify for this benefit, the replacement vehicle must be financed with San Diego County Credit Union within 90 days of the date of loss.

Ask for GAP when you apply for an auto loan.

Apply Online

Mechanical Breakdown Insurance (MBI)

Mechanical Breakdown Insurance (MBI), commonly referred to as an extended warranty, is designed to protect you from the high cost of repairing mechanical components due to mechanical failure.² All of our plans feature no deductibles. Your out of pocket expenses are limited to replacement fluids and sales tax on parts.

There are three plans available and eligibility is based on the year and mileage of the automobile. All plans reimburse the repair facility for the cost to repair a covered mechanical breakdown, less the replacement fluids and sales tax.

Additional protection on all plans includes:

24-Hour Roadside Assistance
Car Rental
Safe and Secure Package

MBI may be included in your auto loan payment or purchased separately for any vehicle financed with SDCCU. Call us at (877) 732-2848 or visit one of our convenient branch locations for program specific details and more information.

Apply Online

Payment Protection

Payment protection is available on auto or motorcycle loans, Visa credit cards, signature loans, share secured loans or recreational sports vehicle (RSVP) loans and can protect you in times of need by making your loan payments. Payment protection options are available as comprehensive plans or as single coverage options, and are available on loan terms up to ten years.

Payment protection is available for:

Unemployment³
Disability/Hospitalization
Life/Terminal Illness

Call us at (877) 732-2848 or visit one of our convenient branch locations for program specific details and more information.

Apply Online

¹Coverage applies to insurance deductibles no greater than $1,000. Guaranteed Asset Protection Advantage is administered by Southwest Business Corporation^® (SWBC). License #0516221.
²Vehicle must be maintained according to the manufacturer's specifications. For complete details, including limitations and exclusions, please refer to the MBI Certificate. Mechanical Breakdown Insurance is administered by Route 66 Extended Warranty and is underwritten by American Bankers Insurance Company of Florida^®, a member of Assurant Group^®. This product is not insured by the National Credit Union Administration. The purchase of this product is optional and will not affect your application for credit. CA License #0D60418.
³Unemployment Protection is only available when combined with one of the other protection coverages. These products are not insured by the National Credit Union Administration. The purchase of these products is optional and will not affect your application for credit. The information provided here is not a contract. It is a general summary of product benefits, and its contents are limited due to size.

SDCCU has over 30,000 surcharge-free ATMs and 43 branch locations.

Open an account online today!