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Auto Protection

GAP (Guaranteed Asset Protection)

Protect your auto with GAP. If an accident or theft leads to a total loss of your vehicle, Guaranteed Asset Protection (GAP) covers the difference between what you owe on your loan and your insurance settlement. In addition to potentially saving you thousands of dollars in the event of a loss, your GAP addendum includes Auto Deductible Reimbursement (ADR) that covers out-of-pocket insurance deductibles up to $500 as well as vehicle rental assistance.

GAP is available to members who finance their vehicles with Dane County Credit Union. GAP for autos and motorcycles adds a total of $349 to your loan; recreational vehicles may be slightly higher. You can add this coverage to your loan by extending the loan term which won’t increase your monthly payment amount. If you already have a vehicle financed with DCCU, you may still take advantage of GAP, up to 18 months after you got your loan. DCCU representatives have a handy tool that will help to determine if GAP coverage is in your best interest. GAP is fully refundable if cancelled within 90 days.

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Mechanical Breakdown Extended Warranty

Save money and have peace of mind by purchasing an extended warranty from DCCU on your next new or used vehicle. Mechanical breakdown coverage may even cover some things the factory warranty doesn’t. The program offers a $0 deductible option and there is no limit on claims. Repairs can be completed at any licensed repair facility in the United States or Canada.

We’ll add the cost of mechanical breakdown to your auto loan. Even if you’ve already been paying on your DCCU auto loan we can still add this service if your vehicle is under 5 years old and has less than 60,000 miles. If you pay cash or finance elsewhere, you can still take advantage of the program.

  • 0 Deductible
  • Up to 7 year/100,000 mile coverage
  • 24-hour roadside assistance
  • Up to $250 vehicle rental assistance
  • Tire protection
  • 60 day free look

Example with no extended warranty

$15,000 borrowed for 60 months at 2.99%APR has a monthly payment of $270

Example with DCCU’s extended warranty added

$16,395 borrowed for 60 months at 2.99%APR with standard extended warranty added($1,395) has a monthly payment of $295

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