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Buyer Protection


Debit Card with Chip imageHow does the Program Work?

It’s simple and best of all, there are no forms to fill out, no applications, and no extra cost!  Every time you use your Victory Credit Union MEMBER CARD® debit card or your Victory Credit Union MasterCard for an Interac Direct payment purchase or make a purchase using a cheque drawn on your Victory Credit Union personal chequing 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 and broken or even consumed in a fire. For example, if you’re wrapping that expensive crystal vase and it suddenly crashes to the floor, you’re protected!  Valid claims will be satisfied either by replacing the lost or damaged 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 one entire year, as long as the manufacturer’s warranty is valid in Canada for five years or less.  For example, when you purchase a Blue Ray DVD player, the manufacturer would typically offer a one-year warranty.  But if you used your Victory Credit Union MEMBER CARD debit card or a cheque from your Victory Credit Union personal chequing account for the purchase, the DVR would be protected under the terms of the original warranty for an additional one year.

Buyer Protection and Extended Warranty: A superior product

Absolutely one of the best on the market!

  • Home or personal business purchases are protected
  • Higher coverage – up to $60,000 lifetime
  • Gifts (without recipient limitations)
  • No limits on valuables
  • Any MEMBER CARD debit card member is covered, not just Canadian residents
  • World wide purchases, not just Canadian purchases

What is not covered?

Items not covered include: cash, travelers cheques, motorized vehicles, animals, and living plants.

Making a claim?

Just be sure to keep a copy of your transaction record for the MEMBER CARD debit card or MasterCard or cancelled cheque, the merchant bill, and (for warranty claims) the manufacturer’s warranty.  You simply call 1-800-263-9120 ext 605800, and a Claims personnel will be happy to assist your call.

  • 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