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Supplemental Insurance

Blue Diamond Loan Protection - Have you ever considered how you or your family would cover your financial obligations, such as the payment on your auto loan or home equity loan, if you fell victim to an unfortunate event? Blue Diamond Loan Protection from Heritage Community Credit Union is a voluntary payment protection product to cover our members in the event of a death, injury, or involuntary unemployment. Protection is available for consumer and home equity loans and the amount of protection is customized to cover your specific loan balance(s). Features include:

  • Simple eligibility requirements.
  • Coverage for up to 2 borrowers.
  • Open enrollment any time without evidence of insurability.
  • Immediate protection for eligible borrowers.
  • A low cost premium that can be financed into your monthly loan payment.
  • Maximum protection of $50,000 on consumer loans for loss of life.
  • Maximum protection of $100,000 on home equity loans for loss of life.

For more information about plan options or to purchase Blue Diamond Loan Protection, visit one of our branch locations or contact our Call Center at 916.364.1700 or 800.233.6328

Coverage provided through CUNA Mutual Group. Restrictions may apply.


Guaranteed Auto Protection (GAP) - Protects your vehicle in the event it is stolen or totaled in a car accident. GAP will effectively pay the difference between the cash value of your vehicle at 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.
  • Auto Deductible Reimbursement (ADR) – pays up to $500 (limit two losses per year) when a claim is filed and paid with primary insurance carrier.
  • An additional $1,000 towards the purchase of a replacement vehicle when financed with HCCU.
  • A low cost premium of only $499* 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 adds 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.
  • Payment benefits up to $50,000.

*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.


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