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Neighborhood Credit Union
Routing #311079270
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Routing #311079270
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Routing #311079270
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Auto Insurance Coverage

Protect yourself from the unexpected. And to help make that happen, Neighborhood Credit Union offers three auto insurance options to cover all of your bases.

For more information or pricing, send the Loan department a message.

GAP Protection

We saved our members over $750,000 in 2020 with GAP.¹

GAP protection covers the financial gap between the actual cash value of your vehicle and the payoff amount of your loan in the event of total loss.
If your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared an insured total loss, most standard auto policies only cover the actual cash value of the vehicle. This means that you remain financially liable for any gap between the net insurance settlement and what you own on your loan - potentially owing thousands of dollars on a vehicle you no longer have.

To learn more about GAP and pricing, contact the Loan department for more information.

Extended Warranty Protection

Your vehicle is not only an investment, it’s your transportation lifeline.
With the extended warranty protection plan, you have the peace of mind knowing your investment is protected. Four levels of coverage offer affordable options to ensure your vehicle is protected against costly mechanical and electrical repairs. For more information or for pricing options on your vehicle, send a message the Loan department.

What's Covered?

Level: Platinum Gold Silver Copper



Audio Center

Drive Axle
Transmission/Transfer Case

Protect yourself from the unexpected.

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Refer a Friend, Earn $100 Cash

Through our Member Referral Program, whenever you refer a new or existing member to Neighborhood CU for an Auto or Personal loan, you can receive $100.00 when the loan has been funded!*

DentGuard® Ultra

With DentGuard Ultra, there's zero deductible or out-of-pocket expenses — just sign and drive!² Get quick, convenient claims processes that's designed around your schedule. DentGuard Ultra's repairs are backed by a lifetime guarantee and transferable to the next owner.

Dent Protection

Paintless Dent Repair (PDR) is an innovative process involving specialized tools to repair dents and dings out of your vehicle’s painted exterior surfaces.

Tire & Wheel Protection

Covers tire repair or replacement as well as factory wheel repair or replacement.

Windshield Protection

Covers repairs of stars, chips and small cracks less than 6" in length caused by road hazards or road debris.

Auto Deductible Reimbursement (ADR)

Provides for reimbursement up
to $500 towards your full coverage insurance deductible on damage not covered by paintless dent repair.

Emergency Roadside Assistance

24-hour, 7 days a week service anywhere in the US and Canada for non-accident related incidents up to $100 per occurrence — simply sign and drive!

Rental Car Reimbursement

Up to $50 per day for a maximum of 3 days ($150) per covered repair visit.

Interested in more Neighborhood CU accounts?

Click the All Products button to explore all Neighborhood CU accounts.
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Refinance your auto loan as low as 1.99% APR*

Now is the perfect time to lock in a low rate on a new car purchase or refinance.

Collateral Protection Insurance (CPI)

Have you received a CPI notice? Click to submit your proof of insurance.

Why Am I Getting a Collateral Protection Insurance E-mail or Notice ?

One of the terms of your loan agreement is a requirement to maintain comprehensive and collision coverage on your vehicle as long as you have the loan with us. Currently, we are missing evidence that you have obtained acceptable insurance coverage.

What Is Acceptable Insurance?

In order to verify that you have the proper comprehensive and collision coverage, we need you to provide us with information from your insurance policy, including the amount of your deductible ($1,250 or less) and showing Neighborhood Credit Union as the lienholder. Note: insurance ID cards are not acceptable as proof of insurance.

What Happens If I Do Not Submit Proof of Insurance?

Please note that if we do not receive evidence of insurance meeting our requirements, Collateral Protection Insurance (CPI) may be issued through the credit union’s insurance program and your monthly loan payment will be adjusted accordingly. The coverages afforded by CPI are primarily to protect the credit union’s interests. CPI will not satisfy the requirements of any financial responsibility law, nor does it provide liability coverage.

Submit Your Proof of Insurance

If you received a notice, by clicking the link below you can submit your insurance information in a quick, easy and secure manner online. Click here to submit insurance information online.

Alternatively, you may submit proof by mail or fax:

  • Have your insurance agent call 1-877-349-7536 to do a verbal verification, or
  • Fax your policy: 1-877-879-0241, or
  • Mail your policy:

Neighborhood Credit Union
PO Box 924615
Fort Worth, TX 76124

Frequently Asked Questions

The extended warranty is bumper to bumper coverage. See the chart above or for more details and a quote, please contact the Loan department by messaging us here.
Standard wear and tear on the vehicle and parts.
Any licensed repair facility in the US or Canada.
Cost will depend on the year, make, model, and mileage of your vehicle.


¹Actual savings for GAP members will vary. GAP is available only for members with an auto or recreational vehicle financed through Neighborhood Credit Union.
²The Extended Warranty and Dent Guard protection products are not available for recreational vehicles.