Car Protection & Insurance

When you buy a new automobile, be sure you protect it – and your financial stability.

The joys of buying a new car, motorcycle, boat or RV also come with the reality of ownership: vehicles break down. Accidents happen. Parts need replacing. Whether your ride has four wheels, more wheels, or no wheels at all, make sure you protect your assets and yourself from financial burden.


Automobile Insurance

Cover car-related damages, loss, and injuries. You’ll also protect yourself, passengers, pedestrians, other drivers and their property. Insurance is available for motorcycles, RVs, and watercraft, too through Virginia CU Insurance Services?.

Virginia CU Insurance Services is an independent insurance agency, and an affiliate of Virginia Credit Union. Their partnerships with multiple insurance carriers mean they can find you the best coverage at the best possible price.

Visit Virginia CU Insurance Services



Guaranteed Asset Protection (GAP)

GAP protects you against financial loss in the event your vehicle is damaged beyond repair (“totaled”) or stolen and never recovered. With affordable GAP, you won’t have to pay the difference between insurance proceeds and the balance of your loan.

In the first few years of ownership, your loan balance may be higher than the value of your vehicle, especially if you put down a small or no down-payment. If your vehicle is totaled or stolen, your insurance company will typically only pay Actual Cash Value of the vehicle. You will be responsible for payment of the difference between the insurance settlement and the loan balance.

For just a few dollars a month, GAP bridges the difference.? 

GAP will:

  • Protect you from financial loss
  • Pay benefits up to $50,000
  • Cover your deductible up to $1,000
  • Protect your credit rating
  • Give you peace of mind

GAP is available for new or used vehicles, motorcycles, RVs or boats and made available to VACU members in two ways:

  1. For a one-time fee at the time you finance your vehicle. You can even include GAP as one of the items you finance.
  2. For your existing Virginia Credit Union vehicle loan. Additional qualifications must be met. Please contact Member Services at 804-323-6800 for details.

Got GAP? 

Call Member Services at 804-323-6800 to learn more about low-cost GAP coverage for your vehicle.

Call us at 804-323-6800



Loan Payment Protection

Taking out a loan takes a lot of responsibility. While optional, Loan Payment Protection will reduce or pay off loan balances in the event you are disabled or die before the loan is repaid.

Learn more about Loan Payment Protection



Major Mechanical Protection (MMP)

Vehicles break down and parts go bad. With MMP, you gain the peace of mind that many repairs, towing and roadside service costs are covered. The best time to invest in MMP is when you first buy your vehicle. Plan options are available for most new and used cars.

Your coverage includes:

  • Comprehensive repair coverage
  • 24-hour roadside assistance
  • Flexibility when getting repairs done. They can be done anywhere in the U.S. or Canada. 
  • Lost key and lockout assistance
  • Emergency tire repair
  • MMP transfers to a new owner, which adds to the resale value of your vehicle
  • Rental car reimbursement
  • Trip interruption expense reimbursement

MMP Coverage Details

Learn what MMP will cost on your vehicle.

Protect your loan today. Contact Member Services at 804-323-6800.

Call us at 804-323-6800