Insurance Services
Azura members have access to a dedicated team of professionals who provide Payment Protection Plans and TruStage™ Insurance.
Affordable protection for peace of mind.
Gain peace of mind with your Azura loan by adding protection plans at an affordable price. Talk to us about credit insurance coverage that can pay off the loan if you're disabled, involuntarily unemployed or pass away. We also offer Guaranteed Asset Protection (GAP), Depreciation Protection Waiver (DPW) and Mechanical Breakdown Protection (MBP) to help you cover losses from theft or accidents that total your vehicle and to pay for repairs when your original warranty expires.
TruStage Insurance
As an Azura member, you have access to a dedicated team of insurance professionals who provide TruStage™ Insurance. TruStage is part of a heritage of faithful service to credit union members spanning more than 80 years. Over 20 million people have selected TruStage for Accidental Death & Dismemberment, life, auto & home insurance and more.
Guaranteed Asset Protection Advantage (GAP Advantage)
In most circumstances, your vehicle is worth a lot less the second you drive it off the lot. Protect the investment you made in your vehicle with GAP Advantage.
If your vehicle is stolen or totaled in a major accident, your loss could add up to more than its value. Most insurance policies only cover the value of your vehicle at the time of loss, which means that the settlement you receive could be less than the amount you owe. GAP Advantage protects you by covering the “gap” between the vehicle’s value and the amount you still owe.
GAP Advantage offers you peace of mind.
- Reimburses up to 150% of MSRP or NADA Retail in the event of a totaled or stolen vehicle to pay the vehicle loan after insurance payment.
- Allows for up to $1,000 towards the purchase of a replacement vehicle, if the replacement vehicle is financed with Azura Credit Union.
- Prevents, in almost all cases, a loan balance when a car is totaled or stolen.
- Includes Auto Deductible Reimbursement, which could help cover your auto deductible up to $500 in the event of an accident or fender-bender.
GAP Advantage FAQs
1. How does GAP Advantage work?
GAP Advantage protection goes into effect when you need it most – when your vehicle is stolen and isn’t recovered or totaled in an accident and can’t be repaired. GAP Advantage waives the difference between your primary insurance carrier’s settlement and the payoff of your loan, less delinquent payments, late charges, refundable service warranty contracts, and other insurance-related charges.
GAP Advantage also includes Auto Deductible Reimbursement. If you suffer a loss during the coverage period that is covered by your auto policy, you may be entitled to reimbursement of your auto deductible up to $500 per damage, such as accident or fender-bender. You are eligible for reimbursement when a claim is filed and paid by your carrier during the first 3 years of your loan term for the financed vehicle. In addition, all other vehicles you own and insure are covered as well.
2. What vehicles are eligible for GAP Advantage?
Any auto financed through Azura Credit Union is eligible to be covered by GAP Advantage. Commercial vehicles and trucks over 1 ton capacity are not eligible for GAP Advantage. In addition, some recreational vehicles, such as travel trailers and boats, are also not eligible.
3. How much does GAP Advantage cost and how do I purchase it?
GAP Advantage starts at $599 and is provided through Allied Solutions. The cost can be paid as one lump sum, or it can be rolled into the total loan amount of your auto loan. You have up to 18 months into your loan to purchase GAP Advantage coverage.
Your purchase of GAP Advantage is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us. There are eligibility requirements, conditions and exclusions that could prevent you from receiving GAP Advantage benefits.
You should carefully read your GAP Waiver Addendum form for a full explanation of the benefits, rules, terms and conditions of the program. GAP Advantage is a loan/lease deficiency waiver and is not offered as insurance coverage. GAP Advantage is provided through Allied Solutions and is not insured by NCUA.
Route 66 Extended Warranty
Route 66 Warranty has a complete line of coverage designed to keep your vehicle on the road. They offer the most comprehensive mechanical breakdown coverage for all makes and models of automobiles. Event the most reliable vehicle can develop a mechanical problem, that’s why so many people depend on Route 66 Warranty. No matter where you are in the United States, they protect you against major mechanical expenses, and there is no deductible on covered parts or labor.
Start a Claim
All Route 66 Extended Warranty plans come with a Rental Car Allowance and 24/7 Emergency Roadside Service for when the unexpected happens, plus towing services, battery jump starts, minor adjustments, lock-out service and flat tire assistance. Route 66 Warranty’s Mechanical Breakdown Protection Plans are available for both new and pre-owned vehicles, and coverage is transferable if you sell your vehicle before your agreement expires providing added resale value.
Start a Claim
In the event of a covered mechanical breakdown, contact Route 66 Extended Warranty directly to speak with a claims advisor.
Contact them by phone at 800.808.0828 or by email.
Auto Advantage Program
Should you suffer a loss during the benefit period that is covered by the Member's Auto Insurance Policy, you may be entitled to reimbursement of the Auto Insurance Policy deductible amount up to $500 per loss. To be eligible for reimbursement, you must own or lease and insure the Covered Auto under an Auto Insurance Policy designating you, the Azura member as the Auto Policy Named Insured.Auto Deductible Reimbursement
- Pays up to five hundred dollars ($500) per Loss (UNLIMITED losses per year) when a Loss is filed and paid by the auto insurance company for a Covered Auto the Member owns or leases evidenced by the title, registration or loan document, AND insured under an Auto Insurance Policy designating the Member as the Named Insured.
- Loss means an event for which the auto insurance company has approved and paid a collision or comprehensive claim which exceeds the Auto Insurance Policy deductible for the Covered Auto.
- Coverage is effective upon date of enrollment and will continue for 2 year(s) depending on the benefit period provided.