Buyer Protection and Extended Warranty

Don't panic!  We have you covered.

When you use your YNCU Member Card® Debit Card, purchases are protected if broken or stolen, and their warranties are extended.

Buyer Protection Expand/Collapse

This coverage offers protection on the purchase of most retail items - and that includes gifts!

For a full 120 days after the purchase, the item is protected if it's stolen, dropped and broken or even consumed in a fire.

Making a purchase with a cheque? No problem! As long as the cheque is drawn on your insured account, you receive the same protection for your purchase. Valid claims will be satisfied either by replacing the stolen or damaged item, or by a cash payment in an amount that does not exceed the total purchase price.

Extended Warranty Expand/Collapse

The program doubles the warranty period of a purchased item up to two years, as long as the manufacturer’s warranty is valid in Canada for five years or less. For example, when you purchase a blender, the manufacturer would typically offer a one-year warranty. But, if you use your credit union debit card for the purchase, the blender would be protected under the terms of the original warranty for an additional one year period. Best of all, there are no applications and no extra costs! It’s all included with your Member Card®.

A unique benefit for credit union members! Expand/Collapse

Similar products are offered on credit cards, but this one is truly unique for debit cards and only available to credit union members.
  • Buyer Protection coverage is a full 120 days from date of purchase
  • Personal and home-based business purchases are protected
  • Coverage is up to $60,000 lifetime
  • Gifts are included
  • Any credit union debit card holder is covered, not just Canadian residents
  • Includes worldwide purchases not just Canadian purchases
  • Purchases made with a cheque drawn on your insured account are also protected

Are all types of purchases covered? Expand/Collapse

Many types of purchases are protected.  Members have been reimbursed for items such as jewelry, sunglasses, golf clubs, clothing computer equipment, video games, cellphones, cameras, furniture, appliances, iPads, trampolines, toys and more.

Examples of items not covered: cash, travellers cheques, motorized vehicles, items intended for commercial purposes, animals, living plants, food and other perishables; also, sporting items lost or damaged through the normal course of use.

Making a claim Expand/Collapse

Be sure to always keep a copy of your transaction record, receipt, and (for warranty claims) the manufacturer's warranty.

Then, to make a clam, simply call 1-800-263-9120, ext 605800 and a Claims Representative will assist you.
This page highlights only some of the main coverage features. This page is not a contract. No coverage is provided by this page nor does it replace any provisions of the policy. Please read the actual policy for coverage terms, conditions, and exclusions. Full details of coverage and a copy of the Group Policy are available from your credit union or CUMIS General Insurance Company. ®MEMBER CARD and MEMBER CARD Design are registered certification marks owned by Credit Union Central of Canada, used under license. © 2017 Credit Union Central of Canada. All rights reserved.

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