Guaranteed Asset Protection (GAP)

At Idaho Central, we stick with our members through thick and thin. We’re here for your first car and your first mishap. Our vehicle protection plan is designed to help you financially recover from accidents, theft, and more. Don’t roll the dice on your car finances — get GAP insurance today.

Dad and son driving


You want to add extra protection to your vehicle.

Vehicle Protection for the Worst-Case Scenario

If your car gets totaled or stolen, you could owe more on your auto loan than what regular insurance will cover. That’s where GAP insurance comes in. GAP can minimize (or even remove) the payments you’ll make on a car that no longer exists.

GAP with Deductible Assistance

This coverage is best for damaged cars that aren’t completely totaled. If your car repairs cost more than your deductible, we’ll apply that deductible amount to your auto loan. That way, you can skip past the financial burdens of an unprotected damaged vehicle.

GAP Plus with Deductible Assistance

GAP Plus includes all the good things that come with our basic GAP insurance plan — and it will offset the first $1,000 you owe on your next car loan (when financed through Idaho Central within 60 days of your insurance company’s settlement check).

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.

Become a Member

Idaho Central Credit Union was designed with one idea in mind, helping members achieve financial success. If you live or work in Idaho or Washington, chances are you can become a member of Idaho Central Credit Union.

Find Out How