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Ancillary Loan Coverage

Protection When You Need It The Most

Protect Your Most Important Assets

Mechanical Repair Coverage

As vehicles get older and miles add up, the likelihood for repairs increases.

Mechanical Repair Coverage (MRC) can help you limit out-of-pocket, covered repair costs, except your deductible.2

You depend on your car. Big unexpected repairs can happen after your factory warranty expires. Mechanical Repair Coverage (MRC) can help you limit the cost of covered breakdowns.

Get MRC today so you can worry a little less about tomorrow.

Features and benefits

  • Limit repair costs to your deductible, if any.
  • Choose your deductible: $0, $100, $250 or $500.1
  • Rental reimbursement up to $35/day for 5 days (up to an additional 5 days with verified parts delay) from day one.
  • 24-hour emergency roadside assistance up to $100 per occurrence. Includes towing, battery jumpstart, fluid delivery, flat tire assistance & lock-out service.
  • Travel expense reimbursement up to $200 per day for 1-5 days for food, lodging and transportation expenses.2
    Good at any authorized repair facility in the U.S. or Canada.
  • No out of pocket expense except any deductible. Plan pays the repair facility.
  • Transferable to increase resale value. Only if sold privately. Subject to transfer fee.
    Cancel for full refund within 60 days.3

Choose the plan that’s right for you.
(See Table)

Payment Protection

Protect your family against the unexpected.

Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan payments against death, disability, or involuntary unemployment can help protect your finances.

Life Plus adds protection for life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave, and the loss of life of a non-protected dependent.

Purchasing protection is voluntary and won’t affect your loan approval.

Below are coverage available for your loan(s) with Wheelhouse.

Consumer Loans
1.LifePlus Disability & Unemployment
2.Disability Unemployment
3.LifePlus Disability
4.LifePlus
5.Transitional LifePlus

Credit Cards
1.LifePlus Disability & Unemployment
2.Disability Unemployment
3.LifePlus Disability
4.LifePlus

Ask a representative for details on the features of each coverage.

Guaranteed Asset Protection

Our GAP program may reduce or eliminate the gap between what your vehicle insurance will pay and what you owe on your loan.

Guaranteed Asset Protection (GAP) is a great way to protect your finances if the value of your vehicle is less than the amount of your car 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. 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.

Here are two additional benefits of GAP:

Our GAP program includes Deductible Assistance which is designed to provide financial relief when your vehicle is damaged but not deemed a total loss. If repairs cost more than your deductible, the deductible amount is applied to your vehicle loan at the credit union, reducing what you owe.

The GAP Plus coverage may reduce or eliminate the gap between what your vehicle insurance will pay and what you owe on your loan, if your vehicle is deemed a total loss. Plus, it helps you get into your next vehicle by reducing your next loan at the credit union.

Get GAP Plus today so you can worry a less about tomorrow.

Choose the plan that’s right for you

Silver Plan

Gold Plan

Platinum Plan

What’s not covered?
Normal maintenance services and parts. Examples: batteries, belts, brake pads, exhaust system, filters, fluids, wheels, wiper blades, etc.
Abuse, misuse, and lack of proper maintenance.
Body structure and parts.

Examples: trim, molding, glass, paint, etc.
Aftermarket equipment, components, systems or accessories not installed by the manufacturer.
Normal wear and tear where no failure has occurred.
Corrosion and pre-existing conditions (not applicable in AZ and GA).
Exclusions and limitations apply. See the Vehicle Service Contract or the Insurance Policy for details.

Silver Plan

  • Engine
  • Transmission
  • Front Wheel Drive
  • Rear Wheel Drive
  • Steering (Except Rear Wheel)
  • Front Suspension
  • Brakes
  • Electrical
  • Air Conditioning
  • Basic Hybrid/Electric Vehicle Components
  • Seals & Gaskets

Gold Plan

Covers All Silver Plan Components Plus:

  • Power Seat Motor(S) and Transmission(S)
  • Power Window Motor(S) and Power Regulator(S)
  • Power Door Lock Actuator(S)
  • Instruments and Sensors
  • Heater & A.C. Blower Motor
  • Radiator
  • Fuel Tank
  • Horn Assembly
  • Advanced Hybrid/Electric Vehicle Components

Platinum Plan

Covers Any Covered Breakdown Except Items Listed Under “What’s Not Covered.”
Platinum Components Covered:

  • High-Tech Electronics & Sensors
  • Entertainment System
  • Safety & Security Systems
  • Convenience Controls
Payment Protection

Death

Disability

Involuntary Unemployment

*Please refer to the member agreement for a full explanation of terms and conditions.

IF...

Death

The protected borrower passes away.

Disability

A covered disability occurs due to injury or illness.

Involuntary Unemployment

A covered job loss occurs.

IT CANCELS...

up to the contract maximums

Death

Your payments or loan balance.

Disability

Your loan payments.

Involuntary Unemployment

Your loan payments.

YOU MAY BE ELIGIBLE IF YOU...

Death

Have an eligible loan.

Disability

Are a permanent employee who is actively working.*

Involuntary Unemployment

Are a permanent employee who is actively working.*

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Disclosures

Disclosure for Mechanical Repair Coverage
Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., in FL, LA and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051) , all located at 175 West Jackson Blvd., Chicago Illinois 60604, 800.752.6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In CA, where Mechanical Repair Coverage is offered as insurance (form MBIP 08/16), it is underwritten by Virginia Surety Company, Inc. Coverage varies by state. Replacement parts may be used or remanufactured. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions of this voluntary product.

  1. Not every deductible option is available for all MRC Coverage Plans or Terms.
  2. Only when a covered breakdown occurs 100 miles or more from home. (Not available to NY residents.)
  3. Full refund available only if coverage is unused in the first 60 days. If used, refund is prorated less administrative fees. Cancellation administrative fees vary by state.

MRC-2421321.1-0219-0321
©2019 CUNA Mutual Group, All Rights Reserved.

Disclosure for Payment Protection
Your purchase of Debt Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of debt protection. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.

Disclosure for Guaranteed Asset Protection
Our purchase of MEMBER’S CHOICETM 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.

GAP purchased from state chartered credit unions in FL, GA, IA, RI, UT, VT, and WI, may be with or without a refund provision. Prices of the refundable and non- refundable products are likely to differ. If you choose a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee.

GAP purchased from state chartered credit unions in CO, MO, or SC may be canceled at any time during the loan and receive a refund of the unearned fee.

GAP purchased from state chartered credit unions in IN may be with or without a refund provision. If the credit union offers a refund provision, you may cancel at any time during the loan and receive a refund of the unearned fee.

GAP-2454875.1-0319-0421
©2019 CUNA Mutual Group, All Rights Reserved.

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