vehicle protection
keep the journey smooth
Extra Coverage
GAP
Prepare for the worst with GAP, which will pay any remaining balance on your loan if your vehicle is stolen or totaled and the loss isn’t covered by insurance.
MCP
GAP coverage with the added benefit of life policy, bundled together.
Mechanical Repair Coverage
Avoid the expensive repairs after your vehicle’s factory warranty expires. Choose the repair shop or facility of your choice, and drive securely knowing our comprehensive roadside assistance will keep you safe on the road.
Credit Protection Coverage
Prepare for unforseen events and tragedies like loss of life or disability. Credit life and disability insurance will cover the remaining balance of your loan, allowing you to deal with the important stuff.
Payment Shield
In the unfortunate event that you lose your job due to covered circumstances, you will receive up to six months reimbursement for loan payments made. Available for new and used vehicle loans as well as refinanced vehicles loans as well as refinanced vehicles from another financial institution.
Vehicle Protection Package
Customize your auto bundle protection with the following options: tire & wheel protection, windshield protection, roadside assistance, and ID theft protection.
ALLIANCE has partnered with DOWC to offer
Vehicle & Financial
Protection that provides peace of mind!
Keep the Journey Smooth:
A vehicle purchase is one of the largest investments a member will make in their lifetime. Help eliminate unexpected expenses and protect the future value of your vehicle with various coverages.
Vehicle Service Contracts
Why take the risk of costly repairs when you don’t have to? DOWC’s Vehicle Service contracts offer extended coverage options to continue protecting your vehicle beyond the vehicle’s manufacturer warranty. From major components like the engine and transmission, to electrical components like backup cameras and Bluetooth technology, vehicle repairs can cost members $1,000s of dollars! Mitigate that risk and unforeseen circumstances with Vehicle Service Contracts!
4 Levels of coverage to fit every
member’s needs and budget!
Level 4
The highest level of coverage, Level 4 is exclusionary coverage and covers everything except those items listed in the exclusions section of the contract like brake pads, batteries, windshield wipers, etc. (see contract for full list of exclusions).
Includes all components listed in Levels 1-3
Level 3
Stated coverage. Only covers the items that are stated as covered components.
Includes Level 1 and Level 2 components as well as Enhanced electrical components, Enhanced Suspension components, Hybrid vehicle components, misc. components and Technology components.
Level 2
Includes Level 1 components as well as Air Conditioning, Brakes, Electrical, Steering, and Suspension components.
Level 1
Engine (Gas, Diesel, Turbo Charged), Transmission, and Drive Train components.
Seals and Gaskets (up to 125,000 miles). Dual Rear Wheel Vehicles. Canadian Vehicles.
Not only can unexpected vehicle expenses be costly, but they can also be a huge headache! All DOWC service contracts come with added benefits like rental car or rideshare reimbursement, towing, and 24-hour roadside assistance to not only help with the cost of the repair, but to assist with the inconvenience of the repair.
DOWC Bundle
In addition to Vehicle Service Contracts, DOWC Bundle can protect other unforeseen expenses for your vehicle. From a chipped windshield from a flying rock on a West Texas road, to a grocery store door ding, to a flat tire from a nail in a newly built subdivision, to a bent rim from a pothole, unforeseen expenses are everywhere. DOWC will protect you wherever you go!
DOWC Bundle provides unlimited miles of coverage at a $0 deductible!
DOWC’s goal is to exceed our members expectations by providing exceptional coverage options, streamlined claims processing, and a widespread network of repair facilities. With all of these processes in place, you won’t experience any unforeseen delays in getting your vehicle back on the road in the event of a breakdown.
Did you Know?
Many dealerships have an average labor rate of more than $200/ hour! If your car is in the shop just 1 day that is $1600 before any parts. Even a relatively inexpensive part could cost you $1,000s. Why take the risk?
Vehicle Protection and Service Bundles offered through ALLIANCE Credit Union are optional products. Coverage may be purchased regardless of whether your vehicle loan is financed with ALLIANCE Credit Union. Coverage is provided and administered by DOWC, a third-party provider. ALLIANCE Credit Union does not underwrite, issue, or guarantee coverage, and is not responsible for claims or the decisions of DOWC.
Coverage, terms, and conditions vary by plan and are subject to eligibility requirements, exclusions, and limitations as outlined in the service contract provided at purchase. You should carefully review the service contract for details regarding covered repairs, reimbursement benefits, exclusions, and the process for filing claims.
For complete details regarding coverage, exclusions, claims, or cancellation, please refer to your Vehicle Service Contract or contact DOWC directly.
We Are Here to Help
Calculators
Convenient and easy to use, our calculators provide good data to make better decisions.
Education
Access our Financial Education articles for the most important financial decisions of your life.
Rates
Save more on your mortgages and other loans. Better rates, better future, better life.