Guaranteed Asset Protection Plus

It’s like a financial airbag—triple-threat coverage that protects you from unexpected bumps in the road.

What does your car insurance really cover?

If your car, motorcycle, or other vehicle is totaled, you’ll still have to pay off your loan. Same if it’s stolen and not recovered. But most insurance covers just the fair market value, not the full amount that’s left on your loan. Guaranteed Asset Protection (GAP) covers that “gap” between the fair market value and the amount that you still owe, so you don’t have to pay any extra.

With GAP Plus with Deductible Assistance:

  • you get $1,000 toward your next auto loan with Georgia’s Own if your car is totaled, or
  • if your vehicle is damaged (but not totaled) and repairs exceed your deductible, that deductible amount is applied to your loan to reduce what you owe.

Is GAP Plus right for you?

Guaranteed Asset Protection Plus with Deductible Assistance1 may be a good option for you if:

  • Your vehicle loan had a low down payment or no down payment
  • Your vehicle loses value quickly
  • You drive more than 15,000 miles a year, which makes your vehicle lose value faster
  • Your vehicle loan won’t be paid off for five years or more

Take a look at our insurance options


TruStage Auto Insurance Program

Ready to lower your auto insurance bill? We offer discounts for credit union members, safe drivers, multiple vehicles, and more. Get a free quote and see how much you could save.

Loan Protection

Mechanical Repair Coverage

Conquer car chaos with our extended warranty insurance. You’re covered for everything from a bad breakdown to losing your keys.


TruStage Life Insurance

If the worst happens, make sure your family is covered. With whole life and term life options, we can help you choose the life insurance that fits you and your budget.


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1GAP, which includes deductible assistance, is not insurance; it is an optional debt cancellation product. GAP 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 the amount financed under your contract 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, IN, 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 purchase 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.

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