Various insurance and asset protection products are available to complement the loans and other services Central Missouri Community Credit Union (CMCCU) offers. These products are provided through independent companies for your benefit.
Guaranteed Asset Protection Advantage (GAP Advantage)
GAP Advantage covers the “gap” between your vehicle’s value and the amount you still owe, including the insurance deductible. As a bonus, if your vehicle is totaled or stolen and not recovered, you are eligible to receive an additional $1,000 credit toward the finance or purchase of a replacement vehicle – if you finance your replacement vehicle with Central Missouri Community Credit Union. Get a Guaranteed Asset Protection quote.
Mechanical Breakdown Protection (MBP)
MBP provides protection against mechanical breakdowns above and beyond the original manufacturer’s warranty. This provides protection against the cost associated with most of your vehicle’s mechanical breakdowns (beyond the normal terms
and conditions of the manufacturer’s standard warranty and after the warranty has expired).
Get a Mechanical Breakdown Protection quote.
Debt Protection cancels or suspends your loan payment without penalty, added interest or being reported as delinquent to the credit bureau when a covered event occurs*.
Financial security - Debt Protection protects your credit rating during uncertain and stressful times.
Peace of mind - You do not need to worry about making some or all loan payments (depending on the protected event and your financial institution's debt protection plan) should an unforeseen life event occur.
Convenience - Applying for debt protection is easy and usually done at the time of your loan application. The fee is generally included with the monthly loan payment.
Get a debt protection quote.
*There are eligibility requirements, conditions and exclusions that apply to this program.
Auto Essentials- Vehicle Protection Plan
Auto Essentials is a package of coverage that protects you from normal driving incidents and out-of-pocket expenses that aren't typically covered by insurance policies, manufacturer's warranties, or extended warranties. VPP includes key or remote
replacements, tire and wheel road hazard protection, paintless dent repair, and windshield repair.
Get an Auto Essentials quote today.
Depreciation Protection (DPW)
Depreciation Protection (DPW) kicks in if your vehicle is ever totaled or stolen and not recovered at any time over the life of the loan. It waives some or all of your loan balance in the event of the total loss of your vehicle. The waiver benefit is equal to the difference between your vehicle's MSRP or retail value at the time of DPW purchase, less the amount of your loan balance at the time of total loss. (The benefit cannot exceed the DPW addendum limit or your outstanding loan balance at the time of total loss.) Get DPW quotes today.