Member Protection & Insurance Idaho Central Credit Union makes competitive insurance protection available.

Accidental Death and Dismemberment (AD&D)

Life Insurance

Auto & Homeowners Insurance

Guaranteed Asset Protection (GAP)

Mechanical Repair Coverage (MRC)

Update Your Insurance


Accidental Death and Dismemberment (AD&D)

TruStage AD&D provides benefits for death or dismemberment as a result of an accident, including:
• Coverage for accidental loss of hearing, limb, eyesight, speech, and more
• Hospital benefit
• Education assistance
• Childcare assistance
• Inflation protection

Idaho Central members are guaranteed acceptance. No physical exam or health questionnaire is required. AD&D insurance offers an affordable, easy way to help plan for your family so the unexpected doesn't catch you unprepared. Enroll Today

AD&D Insurance from CUNA Mutual Insurance Society is not a deposit and is not federally insured or guaranteed by credit unions.


Life Insurance

To protect the ones you treasure most, you need the right life insurance plan. Your family could face challenging financial obligations if you're not there. Plan for them now with benefits to help with:
• Funeral costs and final medical bills
• Mortgage and other outstanding debts
• Food, utilities, and other living expenses
• College or childcare costs
• Your spouse's retirement

Let us help you take care of your greatest treasure. Learn More

Life Insurance from CUNA Mutual Insurance Society is not a deposit and is not federally insured or guaranteed by credit unions.


Auto & Homeowners Insurance

You trust Idaho Central Credit Union to provide you and your family with quality products and services to meet your financial needs. We've joined with a dedicated team of insurance professionals to bring you the TruStage Auto & Homeowners Insurance Program.

• This program is the property and casualty coverage solution preferred by the credit union.
• Convenient eService allows you to pay your bill, make changes, or even report a claim.
• Receive fast, easy access to claims service 24 hours a day.
• Obtain a free, no-obligation quote.

Start Saving Today

This program is made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state regulations allow. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.


Guaranteed Asset Protection (GAP)
GAP is protection that helps by cancelling or reducing the potentially high-cost difference between your auto insurance settlement and your loan balance on items directly related to the purchase of your vehicle.

Do you know if your vehicle is adequately protected?
• After you drive off the dealer's lot, will you owe more on the vehicle than it's worth? (Vehicles
can depreciate by thousands of dollars after purchase.)
• Will you put less than 20% down on the purchase of your vehicle?

Answering "yes" to either question means your vehicle may not be completely protected. In the event your vehicle is stolen, accidentally damaged beyond repair, or declared a total loss, you could be responsible for paying the difference between the vehicle's actual cash value and your loan balance.

GAP Plus also includes cancelling the first $1,000 owed on a replacement vehicle loan when financed by Idaho Central Credit Union within 60 days of your primary insurance company's settlement check.

View our informative GAP brochure.

Your purchase of GAP 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 GAP. If you choose GAP, adding the product fee to your loan amount will increase the cost of GAP.


Mechanical Repair Coverage (MRC)
Getting an auto loan is more than getting the right rate. It's also about getting the right kind of auto protection. You can't choose the day or time when your vehicle will break down. However, you can choose to lessen the financial burden and inconvenience you'll experience with Mechanical Repair Coverage. It helps pay for covered repairs (costs or parts and labor) on your vehicle when unexpected breakdowns occur.

Beyond covering repairs, MRC also includes:
• Rental reimbursement
• 24-hour, toll-free roadside assistance, including towing
• Emergency travel expense reimbursement
• Thousands of authorized repair facilities nationwide
• No out-of-pocket costs (beyond your deductible)
• Flexible commitment - cancel at any time

View our informative MRC brochure.

Mechanical Repair Coverage is administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is administered by Virginia Surety Company, Inc., and FL, LA, OK and WI, where coverage is administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023). This coverage is made available to you by CUNA Mutual Insurance Agency, Inc., and is insured by Virginia Surety Company, Inc.


Update Your Insurance Information
If you received a letter requesting you to update your insurance information on your Idaho Central Auto or RV loan, please click here.