Mechanical Breakdown Insurance (MBI)1

Can limit your vehicle repair costs and provide rental car reimbursement and emergency roadside service.

Accidental Death &
Dismemberment (AD&D)2

No-cost $2,000 AD&D policy available to Patelco members in the event of a covered accident or event.

Guaranteed Asset
Protection (GAP) Plus3

Reduce or eliminate the "gap" between what your vehicle insurance will pay and how much you owe on your loan if your vehicle is deemed a total loss.

Payment Protection4
for Loans

Cancels your loan payments or loan balance, up to contract maximums, if you become unemployed, disabled or pass away.

Home & Property5

Protection for your most valuable asset – both inside and out.

Vehicle & Car5

Safeguard your ride – available for autos, trucks, RVs, and motorcycles.

Life6

Feel confident that your family and loved ones will be cared for financially.

Compare

Up Arrow

Different Types of Insurance Available

MBI

Can limit your vehicle repair costs and provide rental car reimbursement and emergency roadside service.

AD&D

$2,000 free policy for Patelco members, no medical or health questions required.

GAP

Can reduce or eliminate the gap between what your insurance pays and what you owe on your loan if your vehicle is deemed a total loss.

A hand collecting money.

Payment Protection

Protection for credit cards, auto loans, and personal loans in the event of unemployment, disability, or death.

A coin being deposited into a piggybank.

Home & Property

Coverage from weather events, theft, fire, and other damage. 

A shield of protection.

Life

Whole and Term Life options provide affordable coverage to protect your family and loved ones.

Couple on iPad
Schedule a Zoom appointment
Connect with us and find the right insurance option that fits your needs.

Insurance FAQs

  • 1  Mechanical Repair Coverage is Mechanical Breakdown Insurance in CA underwritten by Virginia Surety Company Inc. In all other states, Mechanical Repair Coverage is a service contract provided and administered by Consumer Program Administrators, Inc. except in New Hampshire, where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX, where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1.800.752.6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc.

  • 2 TruStage® Accidental Death and Dismemberment insurance is made available through TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company, PO Box 61, Waverly IA 50677-0061. This insurance is not federally insured or guaranteed or sold by your credit union. Be sure to understand the complete details of coverage, including any exclusions and limitations. Your credit union enables this insurance program to be offered and is entitled to compensation from TruStage Insurance Agency. ©TruStage Insurance Agency. Base policy no.’s E10a-015-2012, E10a-014-2012, E10a-ADD-2012 and 2018-ADD-POL. Product availability and features may vary by state. GEN-5367262.1-1222-0224

  • 3 Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP), which includes deductible assistance, is optional and 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 your loan amount 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. MRC-3628239.1-0621-0723, GAP-3628235.1-0621, DP-3628229.1-0621-0723

  • 4 Your purchase of Payment Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Debt Protection with Life Plus. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.

  • 5 TruStage Auto & Home Insurance Program is made available through TruStage Insurance Agency, LLC. Coverage provided and underwritten by Liberty Mutual Insurance Company or its subsidiaries or affiliates.175 Berkeley Street, Boston, MA 02116 USA. Equal Housing Insurer. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. ©2022 Liberty Mutual Insurance.

  • 6 TruStage insurance is underwritten by CMFG Life Insurance Company, a company that's consistently rated 'A' (Excellent) for financial stability by AM Best.

  •  Insurance products are not deposits of Patelco Credit Union and are not insured by the NCUA. They are not guaranteed by Patelco Credit Union and may be subject to risk. Any insurance required as a condition of an extension of credit by Patelco Credit Union need not be purchased from Patelco Insurance Services and may be purchased from an agent or an insurance company of the member's choice. Patelco Insurance Services is a subsidiary of Patelco Credit Union. Insurance products are offered are by Patelco Insurance Services, a California insurance agency (License #0C97544). Any complaints may be filed with the California Department of Insurance, insurance.ca.gov.