Buyer Protection and Extended Warranty

Don't panic!  We have you covered.

Another advantage of dealing with KCCU is our Buyer Protection & Extended Warranty program! The best part is you are automatically enrolled, no applications and no extra costs!

How does the program work?

It’s simple. When you make a purchase from your insured account, you're protected with the following benefits:

Buyer Protection

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 lost, stolen, dropped, broken or even consumed in a fire.  For example, if you're wrapping that new camera and it suddenly falls and breaks on the floor, you're protected!  Valid claims will be satisfied either by replacing the stolen or damaged item, or by a cash payment in an amount not to exceed the amount of the total purchase price. Not using your debit card to pay?  No problem!  As long as the payment is made from your insured account, you receive protection for your purchase.

Extended Warranty

This program doubles the warranty period of a purchase 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 make the purchase from your insured credit union account, the blender would be protected under the terms of the original warranty for an additional one year period.  

This is a unique benefit for credit union members!  Similar products are offered on credit cards, but this one is truly unique and only available to credit union members.  

  • Buyer Protection coverage is a full 120 days from the date of purchase
  • Personal and home-based business purchases are protected
  • Coverage is up to $60,000 lifetime
  • Gifts are included
  • Includes worldwide purchases, not just Canadian purchases

Are all types of purchases covered?

Many types of purchases are protected including jewelry, sunglasses, golf clubs, clothing, computer equipment, video games, cellphones, cameras, furniture, appliances, iPads, trampolines, toys and more. Items not covered include cash, motorized vehicles, items intended for commercial purposes, animals, plants, food and sporting items lost or damaged through the normal course of use.

Making a Claim

Be sure to always keep a copy of your transaction record, receipt, and (for warranty claims) the manufacturer's warranty.  For more details, please review the Buyers Protection Certificate. 


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