GAP & Other Vehicle Protection Plans

Protect your finances when you ensure that you’ll be covered if your car is deemed a total loss, is stolen or requires unexpected repairs.

MRC & Gap Insurance


Benefits for you

  • Safe finances: Drive with peace of mind knowing that GAP helps cover the outstanding balance of your auto loan if the vehicle is wrecked or stolen.
  • Drive protected: GAP ensures that your finances stay protected. Learn about what your protection plan entails and what it covers!  
  • Protection for everyone: Add GAP at the dealership even when financing your auto loan with GECU. If you’re trading in a vehicle that is financed with GECU, contact us to see what protection you currently have and if you qualify for a trade-in discount.
  • Minding the gap: GAP covers the gap that may exist from regular auto insurance coverage and what is currently owed on the auto loan when a claim is made.
  • Coverage options: Not all GAP protection is the same. Different plans from different companies offer different levels of coverage. Make sure to find out the details of your plan when adding GAP to your loan at the time of purchase!


Ask the dealership what GAP services they have to offer you when shopping around for a new vehicle! You can also find out what GECU has to offer by calling 915.778.9221 or by visiting any GECU location.  

Vehicle Protection Plans

Benefits for you

  • Safe finances: An extended service contract or Mechanical Repair Coverage (MRC) can help pay for unexpected mechanical vehicle repair expenses.
  • Protection for everyone: Extended service contracts are provided by auto dealerships and can be added at the time of purchase or after the purchase. Mechanical Repair Coverage is offered by GECU through TruStage®.
  • Important benefits: Extended service contracts and MRC can help provide you peace of mind knowing that you're covered for repair expenses.
  • Coverage levels: Dealerships' extended service offers different coverage levels depending on your needs and what you're looking for.


Ask the dealership what extended service contracts they have to offer you when shopping around! You can also find out what GECU has to offer by calling 915.778.9221 or by visiting any GECU location.

MRC & Gap Insurance
We're Here to Answer Your Questions About Vehicle Protection
  • I got GAP at the dealership. Do I need to have GAP with GECU too?   
    No, you don’t need GAP with both us and the dealership. If you purchased GAP with the dealership, you are already covered. 
  • When can I get GAP for my vehicle?
    At the time of the purchase of your vehicle, the dealership will offer you GAP insurance. We also offer GAP through TruStage for loans financed at GECU.
  • Can I add these coverages on an existing auto loan?
    Mechanical Repair Coverage through TruStage can be added to an auto loan that is financed at another financial institution, or on an auto that is already paid off. GAP can be added at any time to a loan that is financed at GECU.
  • Who do I call when I need to file a claim for Mechanical Repair Coverage?
    File a Mechanical Repair Coverage claim online and get instant access to your service contract/policy terms and conditions.
  • I want Mechanical Repair Coverage for my vehicle, but I am not sure if I qualify. Is there someone who I can speak with?
    Yes, contact us at 915.778.9221, toll-free at 1.800.772.4328.
  • What deductible options are available for Mechanical Repair Coverage?
    There are three different plans available: platinum, silver and gold. Your deductible will depend on your plan.
MRC & Gap Insurance


  • Here for you at every stage of life
  • The products and service you need
  • Supporting communities throughout Texas and New Mexico
Your purchase of MEMBERS CHOICE TM Guaranteed Asset Protection (GAP) is optional and will not affect your loan 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.

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 NH, where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX, where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc.

The purchase of Mechanical Repair Coverage is optional. This document provides general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. 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. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured.

MRC-3415612.1-0121-0223 © CUNA Mutual Group 2024, All Rights Reserved.


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