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Proof of Vehicle Insurance

Let Consumers Credit Union help you shift gears to worry-free car ownership. There are many ways that you can provide proof of insurance to CCU including the ability to upload your own insurance online.

Proof of Insurance FAQ

Typically, borrowers will contact CCU when they are storing their recreational vehicles for winter to obtain approval to remove collision coverage while the vehicle is in storage. If the request is approved by CCU for the specified time period then you may remove the collision portion of the vehicle coverage. You are responsible to supply CCU with updated insurance once the waiver period is over or if the vehicle is taken out of storage sooner. To submit a storage request, please contact us at 877.275.2228

Insurance department phone number is 800.653.8812

Refunds are processed on a weekly basis. If the refund is approved that week, on Monday or Tuesday, then the refund would post to the loan account that same Friday. If the refund is approved past Tuesday, on Wednesday-Friday, then the refund would post to the loan account the following Friday.

If there is a gap of insurance coverage for even one day then a refund will not be issued for that month's coverage. 

If CPI was applied, once evidence of insurance with loss payee information and no gaps of insurance is received, we will start the refund process. 

Yes, depending on the situation and timing of the policy, our Insurance Department will contact your agent directly to obtain evidence of insurance. One less thing for you to do!

You can call our Insurance Department at 800-653-8812

The fax number is 800-713-0262

The mailing address if Consumers Credit Union ISAOA PO Box 2233, Sioux City, IA 51104.

Please do not remit payments or payoffs to the above address for payment address click HERE.

Yes, you can upload your evidence of insurance through https://www.myinsuranceinfo.com/

Yes, if insurance is not received or is insufficient, several notices will be sent to your address on file. 

For a consumer loan such as an auto loan, you have up to 30 days after the loan closing; however, the effective date for the insurance policy must be the same as the loan closing date. In other words, the evidence of insurance must not show and gaps of insurance.

For consumer loans, such as an auto loan, CCU requires full coverage insurance, comprehensive and collision, starting from day one of the loan.

No, the insurance loss payee is not the same as the lien holder information for vehicle titles. The lien holder information is Consumers Credit Union PO Box 279342, Sacramento, CA 95827.

The loss payee information is Consumers Credit Union ISAOA PO Box 2233, Sioux City IA 51104.

When inadequate evidence of insurance is provided, CCU will obtain CPI for that loan to protect the collateral.

Collateral Protection Insurance, or CPI, insures property held as collateral for loans made by lending institutions. CPI, also known as force-placed insurance, may be classified as single-interest insurance as it protects the interest of the lender, a single party.