victory banner copy.jpg

Buyer Protection

Don’t Worry…You’re Covered!

Imagine the benefit of automatic protection.

Coverage applies when you use your credit union debit card. And best of all, there are no applications and no extra cost!

Buyer Protection 
This coverage offers protection on the purchase of most retail items – including gifts.
For a full 120 days after the purchase, the item is protected if it’s stolen, dropped, broken or even consumed in a fire.
Valid claims will be satisfied either by replacing the item, or by a cash payment in an amount not to exceed the amount of the total purchase price.
Extended Warranty
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 DVD Player, the manufacturer would typically offer a one-year warranty. But if the member uses their credit union Debit Card for the purchase, the DVD Player would be protected for an additional one year.
Chequing Accounts Too!
Your members are also protected when shopping at a merchant who doesn’t offer INTERAC Direct Payment. Any purchase made by a Debit Card holder using a cheque drawn on an insured account receives the same protection. As well, credit unions may choose to insure chequing accounts where the member does not have a Debit Card.
Please see the Certificate of Coverage for further details such as the extent of coverage and co-insurance and lifetime limitations. Certificate of Coverage
Claims are handled directly by The CUMIS Group. Coverage is provided for direct physical loss resulting from theft, damage, or destruction. Lost items are not covered.

  • Head Office

    Head Office

    41 Gerrish Street
    P.O. Box 340
    Windsor, NS
    B0N 2T0
    Tel: (902) 798-1820
    Fax: (902) 798-1255

  • Brooklyn

    Brooklyn Branch

    7763 HWY 14
    P.O. Box 40
    Newport, Hants Co., NS
    B0N 2A0
    Tel: (902) 757-2525
    Fax: (902) 757-1766

  • Kennetcook

    Kennetcook Branch

    6206 Hwy. #354
    Comp. 8, Box 8
    Kennetcook, NS
    B0N 1P0
    Tel: (902) 362-2594
    Fax: (902) 362-2150

  • Windsor

    Windsor Branch

    150 Wentworth Road
    P.O. Box 340
    Windsor, NS
    B0N 2T0
    Tel: (902) 798-5726
    Fax: (902) 798-4425

Contact Victory Credit Union