Both the Credit Life & Disability and the GAP Program provide a time-honored extra measure of protection against the unpredicted pitfalls that can happen any time. They bring certainty to an uncertain world.

Credit Life & Disability

Credit Life & Disability covers your motorcycle loan payments should a covered accident or illness disable you. The plan will take over during the disability (after a short waiting period) and make the scheduled loan payments for as long as you are disabled and a balance remains on your loan.

In the case of premature death, the Credit Life Insurance pays your motorcycle loan debt. Which means your loved ones will have one less thing to deal with. With both plans, you only purchase the exact amount of coverage you need.

No physical exam is necessary to get coverage. Just answer a couple questions, sign up and the low cost protection can be included in your loan payment—easy and affordable peace of mind.

GAP Program

For many Polaris - Victory owners, if their motorcycle is stolen and never recovered, chances are they will have to pay the “gap” between their insurance company payment and the loan payment. Often owners assume that their primary insurance will cover any loss related to their bike. In reality, the actual cash value that an insurance company places on your bike may be substantially less than the outstanding balance on your loan. Especially if you have a 48-month or longer loan term, put less than 20 percent down or financed accessories into your loan. Who pays the difference or the “gap” between your insurance company and your loan payoff? You do!

GAP Example

That’s why we offer GAP. It’s designed to cover the difference between the loan payoff and your primary insurance company settlement, up to $100,000. In most cases your deductible and loan balance will be paid in full, allowing you to purchase another Polaris - Victory motorcycle. All for a small monthly fee that can be added to your motorcycle loan.