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DCU Routing Number: 211391825

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Guaranteed Asset Protection
Guaranteed Asset Protection

Guaranteed Asset Protection


On your totaled car, pays the remaining loan balance that auto insurance won't

GAP Insurance 

  • Protects you when your auto loan balance exceeds your car's current book value
  • One-time $300 cost (loans financed directly with DCU) – a great value
  • For new and used vehicles
  • Enrolling is easy and coverage begins immediately 


What is GAP?

Vehicle values decline fast – especially new ones. Depending on the size of your down payment, you could easily get "upside down" meaning you owe more on your vehicle than it's worth at that moment.

That's only a problem if your car is totaled in an accident or stolen but not recovered while you are upside down. Regular auto insurance will only cover what the vehicle is worth at the time of the loss. You'll have to come up with the difference. But if you have GAP insurance, you'll be protected. 

GAP Advantage is designed to eliminate your unpaid auto loan balance in the event your vehicle is stolen or damaged beyond repair (totaled). GAP Advantage supplements your primary auto insurance coverage. For the one-time cost of $300, GAP Advantage covers the difference between the actual cash value of your car and your outstanding loan balance. It may even cover your insurance deductible – up to $1,000 – as part of your claim settlement (not available in all states). Plus, it covers an additional $1,000 credit toward the financing of a replacement vehicle if you finance your new or used vehicle with DCU within 90 days of the date your vehicle was determined to be a total loss.

Designed For All Drivers

GAP is designed for all drivers, whether you have a new or used vehicle. It covers cars, vans, light trucks, and motorcycles. Features include:

  • Reasonable one-time cost of $300 (substantially less than what you'd pay elsewhere)
  • Offered on both new and used vehicles
  • Enrolling is easy and coverage begins immediately

How To Get GAP

To get more information on GAP Advantage, call our Information Center at 800.328.8797

Guaranteed Asset Protection (GAP) is not a deposit or other obligation of, or guaranteed by, your financial institution or its affiliates. Your credit approval cannot be conditioned on whether you purchase GAP Advantage insurance. GAP Advantage is provided through Allied Solutions.

What Our Members Are Saying

DCU is simply amazing

RATINGS 5 5 / 5 stars

Thank you DCU. Unbelievable that you live up to your tagline of Banking the DCU way. Totally recommend your services.

David- Washington DC


Great product to secure your loan

RATINGS 5 5 / 5 stars

I had my car totaled within 12 hours of purchase. As I took the whole amount as loan, obviously my loan amount was more than the insurance payout. Am glad I took the Gap insurance. A big shout out for DCU customer service for their quick and effective responses for clarifying my questions and walking me through the process.

Pramodh- Novi, Michigan


Great product for a good price

RATINGS 5 5 / 5 stars

Many auto insurance companies offer a similar product. The differences with DCU are that it's an upfront rather than ongoing payment, and that DCU offers other benefits like covering your deductible and $1000 towards financing a new car with them.

EllieH - Lambertville, New Jersey