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Guaranteed Asset Protection (GAP)

No one wants to think about the possibility of their car being stolen or totaled in an accident.

In the event of a total loss, most insurance companies will pay the “actual cash value” of the vehicle, which can be thousands of dollars less than the amount owed on a loan, particularly if the car was financed over a long period of time with no money down, or if the car has accumulated a lot of miles.

Guaranteed Asset Protection, also referred to as GAP, covers the difference between the insurance company’s payment and the remaining balance due on a loan, which includes your deductible up to $1,000. On top of that, GAP coverage from DCU will provide $1,000 toward your next vehicle.*


Our GAP coverage is priced below comparable coverage offered by dealers, plus the cost can be financed into your loan. So before you talk to a dealer, click on the link below for a no-obligation quote. Then call us at 612-321-4885. You’ll be glad you did!

Go to Instant Quote >>

*Must finance replacement vehicle with DCU within 90 days of total loss.




Linden CenterPoint Branch 612-321-5300   
Outside Metro: 800-333-7757   
LaSalle Plaza Branch 612-321-4964   
Waseca Branch 507-833-4320

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