More Services
For Your Vehicle
Your vehicle is not just a mode of transportation. It is an important asset. Protect it and yourself in the event of unexpected damage, repairs, or even a change in your financial condition with our auto protection options and insurance. Consider one or more of the following:
Guaranteed Auto Protection (GAP) - Protects your vehicle in the event that it is stolen or totaled in a car accident. GAP will effectively pay the difference between the cash value of your vehicle at the time of the event and how much you still owe on your loan. Since the value of vehicles decline during the first few years of ownership, this protection could potentially save you from continuing to pay on a loan for a vehicle that is no longer operable or in your possession. Other features include:
- Coverage available for new, used, and refinanced vehicles
- An additional $1,000 towards the purchase of a replacement vehicle when financed with HCCU.
- A low cost premium of only $299* that can be financed into the loan amount
Save hundreds of dollars off GAP purchased at a car dealership! - Payment benefits up to $50,000
*Premium for recreational vehicles, including boats, travel trailers, and motor homes, may vary. GAP is underwritten by Allied Solutions. Other conditions may apply.
Mechanical Breakdown Protection (MBP) - Replaces or ads coverage to the manufacture warranty on your vehicle in the event of a mechanical failure or breakdown. Having MBP reduces your out-of-pocket costs for items such as replacing parts for your engine, transmission, air conditioning, electrical system, etc., often saving you hundreds of dollars over the coverage period*. Other features include:
- Coverage available for new or used vehicles
- 4 different plan levels for customized coverage
- A low cost premium that can be financed into the loan amount (financing not a requirement)
- Rental car assistance, road hazard tire protection, 24-hour roadside assistance and towing, and trip interruption reimbursement
*Specific items covered varies by plan selected. MBP is underwritten by Allied Solutions and can only be purchased while the vehicle is still under full manufacture warranty. Deductible may vary. Other conditions may apply.
Blue Diamond Loan Protection - Are you covered for when the unexpected arises? Protect your loans and credit rating from untimely events, such as death, injury, involuntary unemployment, or need to take family leave. Click here to learn more about Heritage's Blue Diamond Loan Protection.
To learn more about any of these products or to purchase protection for your vehicle, visit one of our branch locations or contact our Call Center at 916.364.1700 or 800.233.6328.
Auto Insurance - Get auto insurance from a source you can trust and receive an added discount just for being a credit union member! Through our alliance with Members® Auto and Home Insurance (a Liberty Mutual partner), HCCU members can save hundreds of dollars on their auto insurance by switching from their current provider. Members® Auto and Home Insurance offers a variety of discounts based on a vehicle's features, plus multi-car discounts and multi-policy discounts. Plus, enjoy the additional benefits of access to a 24-hour claim service, accident forgiveness, unlimited rental coverage, and more! Obtain a free no obligation quote online or call 888.589.6002.
Members® Auto and Home Insurance is underwritten by Liberty Mutual. Savings may vary per member. Restrictions may apply.
For Your Home
For many people, owning a home is the largest investment they will ever make and the largest asset they will own during their lifetime. Protecting your home and your belongings is not only necessary financially, but can also contribute substantially to your personal peace of mind. Through our business partners, we are pleased to offer our members the following additional products for your home:
Members® Auto and Home Insurance is underwritten by Liberty Mutual. Savings may vary per member. Restrictions may apply.
