Additional protection to your auto policy. GAP insurance

Guaranteed Asset Protection (GAP)

If an accident or theft leads to a total loss of your vehicle, GAP covers the difference between what you owe on the loan and what your insurance policy covers. This coverage can save you thousands of dollars.


Protects new and used vehicles valued up to $100,000


One-time cost of $395 for autos, slightly higher for motorcycles, boats and RVs


Can cover up to six skipped payments


Waives losses up to $50,000


Receive a $1,000 loan credit when you finance your replacement vehicle through RCU

How GAP Works

Loan amount: $25,000

Term: 60 months

Loss date: 36 months

Loan payoff: $15,000

Insurance settlement: $12,000

GAP (deficiency): ($3,000)

GAP payment to Credit Union: $3,000

Out-of-pocket expense: $0

More Information

For more information or to purchase GAP coverage, please call 1 (800) 479-7928, send a message using our contact form, or visit your nearest Redwood Credit Union branch. To purchase GAP coverage, you may also print out and complete the GAP Acceptance Form and bring it to any branch or fax to (707) 522-6851.

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If you're interested in opening a Business, Trust, or other type of account, please visit your nearest branch.

Redwood Credit Union serves anyone living, working or owning a business in California’s Northern Bay Area, which includes the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Contra Costa and Solano. We look forward to serving you!

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