As a leading provider of Vehicle Service Agreements/Mechanical Breakdown Insurance to credit unions nationwide, IWS can offer members peace of mind in their choice of protection plans. That means no matter which plan you choose, from our basic to our most comprehensive, whether for a new or eligible pre-owned vehicle, you’ll get the additional security of knowing you have chosen one of the finest protection plans available.

Premier Product Line

Premier Coverage Plans

Provides the most comprehensive coverage available on the market today at an affordable cost. Our coverage options follow most manufacturers’ warranties and guidelines that originally came with your vehicle. Additional benefits such as car rental, roadside assistance, trip interruption protection and towing are also included. KeyGuard, coverage for replacement of new, expensive key fobs, and Accidental Loss Refund are optional.


  • Optional deductible
  • Towing $100 (max per claim)
  • Car rental
    – Platinum and Gold – (up to 10 days) $500
    – Bronze and Powertrain – (up to 5 days) $250
  • Nationwide protection
  • Travel Expenses – $100 per day up to $300 trip interruption
    – Only available in Platinum, Gold and Bronze
  • Increased vehicle resale value (can be transferred with the sale of your vehicle for $40 fee)
  • Roadside assistance – $80 per incident within 72 hour period

ADD-ON FEATURES (Surcharge applies):

  • Accidental Loss Refund – optional coverage to protect against collision or acts of God only
  • KeyGuard – optional coverage for key fob/remote entry
  • Light Commercial Use – coverage for eligible business uses
  • Snow Plow – coverage for vehicles that have a snow plow attached
  • Lift Kit/Tire Modification – coverage for vehicles that have body/suspension lifts or oversized tires


Additional VSA Products

Powersports Coverage

 Our extended Powersports warranty programs protect the essential components of your motorcycle, ATV, snowmobile or personal watercraft from the high cost of repair or replacement. Additional benefits for on-road motorcycles only include substitute transportation, roadside assistance, trip interruption protection and towing.

To learn more, please contact your credit union representative.