Vehicle Protection

Life can have a lot of unknowns and "what ifs" when purchasing a new or used car. What if it's a lemon? What if there are major repairs after the warranty runs out? Or worse—what if something happened to you that prevented you from paying your auto loan? Let Houston Police Credit Union offer you peace of mind for the many "what ifs" in life.

We're here to help you safeguard and protect your biggest assets. Why not go with the credit union you know has your best interests at the forefront.

We offer solutions that are:

  • Comprehensive
  • Affordable
  • Trusted

Pre-Purchase Inspection1

Pre-Purchase Inspection1

Houston Police Credit Union has partnered with Auto Exam to make sure your used vehicle won't cause you any headaches down the road. Most certified vehicle history reports you receive at the dealership aren't accurate and can easily be changed. Vehicles are also inspected by technicians who aren't trained to identify problems that can cause costly repairs in the future.

With Auto Exam, we'll send out a mobile unit and an ASE Certified Technician will inspect the car—before you buy it. You'll get an unbiased inspection report and a written appraisal.

We'll check for:

  • Frame and body damage
  • Interior damage
  • Mechanical problems
  • Paint work
  • Electrical problems
  • Leaks
  • Poor maintenance
  • And more
1 There are no implied or express warranties or guarantees of any kind in connection with this vehicle inspection. The vehicle inspection is intended solely as an "evaluation" of said vehicle's condition at the time and date of examination. Auto Exam specifically disclaims any liability for any loss or damage arising in connection with ownership or operation of said vehicle AND further disclaims any liability of any hidden wreck, flood damage or tampered components not readily apparent. The items visually inspected were in the reported condition listed in the report at the time of the inspection only. Further disclaimed is any liability for any damage or defects not found during this inspection. Other conditions may exist which did not occur or appear during inspection. This report is for information only and is not to be considered a recommendation for or against the purchase of the inspected vehicle. Therefore, any liability is strictly limited to the amount charged for this report. You unconditionally agree to the foregoing terms by ordering and consenting to this inspection report.


Guaranteed Asset Protection2

Say you get into an accident and total your car. You have insurance. So you should be covered, right? Think again. You may be responsible for more than you think.

You'd be surprised to know that most insurance companies will only cover the cash value of a vehicle and the remaining balance could be your responsibility.
Houston Police Credit Union wants to protect you from this risk with guaranteed asset protection (GAP)2.

GAP2 is a voluntary, non-insurance program that waives the difference between your primary car's insurance settlement and the payoff amount of your loan, which could be thousands of dollars. We also offer auto deductible reimbursement that pays up to $500.00 when a loss is filed with your insurance company.

GAP2 from Houston Police Credit Union gives you a comprehensive solution to keep your biggest assets and investments protected.

2 GAP is not offered as borrower collision, medical or comprehensive insurance coverage and is not required to obtain credit. However, Houston Police Credit Union has purchased insurance coverage underwritten by QBE First which covers payment of GAP claims that may occur. The GAP amount waived on all eligible collateral shall not exceed $50,000.00.

Extended Warranty3

Extended Warranty3

You have your dream car in the garage. You want to protect it from scratches and accidents. But what if there's a major mechanical problem after your dealer warranty expires, and it costs a fortune to fix? That's where Auto Exam comes to your rescue.

Houston Police Credit Union's partner Auto Exam offers a comprehensive extended vehicle warranty that safeguards you from unexpected and costly repairs. This important extra coverage can be financed right with us, costing pennies on the day. You'll also get added benefits like toll-free roadside assistance, rental benefits and trip interruption benefits.

3 This program is insured by First Colonial Insurance Company (Home Office: Jacksonville, FL) or Northbrook Indemnity Company (Home Office: Northbrook, IL); each of these entities are members of the Allstate® family of companies.

Payment Protection4

Payment Protection4

Your job can be dangerous. What would your family do if you couldn't keep up payments for your auto or any other type of loan obligation? Payment protection4 from Houston Police Credit Union helps protect you from that risk.

Payment protection4 is a voluntary loan program that helps you get relief from financial burdens you may face if you're faced with the unexpected. When you enroll, you can suspend or cancel all or part of your obligation to pay your loan in the event of death or disability.

With payment protection4, you have the flexibility to design your coverage. Our payment protection4 covers many types of loans like:

  • Consumer Loans

  • Home Equity Loans
  • Lines of Credit
  • Credit Cards
Life Coverage
  • Your family shouldn't have to worry about expenses when you're gone. Reduce or pay off your outstanding loan balance, up to the policy maximum, at death.
Disability Coverage
  • Ensure your ability to make your monthly loan payment should you become disabled due to a covered illness or injury.
4 Insurance products are issued by Minnesota Life Insurance Company - A Securian Company (Home Office: St. Paul, MN).

For more information on our auto protection or to become a member, visit us at one of our branch locations or give us a call, today!

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