Buyer Protection & Extended Warranty

Buyer Protection & Extended Warranty

You come home after a day of shopping for that perfect birthday gift – dealing with long lineups and crowded parking lots – only to drop it on the floor while wrapping it.

Don't panic! We've got you covered.
When you use your Sunrise Credit Union debit card for a purchase, you've got the following benefits:

Buyer Protection
This coverage offers protection on most retail items, including gifts, for 120 days after the purchase, whether an item is protected if stolen, dropped, broken, or consumed in a fire.

Are you purchasing with a cheque? No problem! As long as you've drawn the cheque from 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
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 buy 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 is 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 MemberCard®.

A unique benefit for Sunrise Credit Union members!
Credit cards offer similar products, 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 the date of purchase
  • Personal and home-based business purchases are protected
  • Coverage is up to $60,000 lifetime
  • Gifts are covered
  • Any Sunrise Credit Union debit cardholder is covered, not just Canadian residents
  • Includes worldwide purchases, not only Canadian purchases
  • Purchases made with a cheque drawn on your insured account are also protected. 

Are all types of purchases covered?
Many types of purchases are protected. For example, we have reimbursed members for jewelry, sunglasses, golf clubs, clothing, computer equipment, video games, cellphones, cameras, furniture, appliances, iPads, trampolines, toys, and more.

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

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

To make a claim under the Buyer Protection program, report the loss to:

Risk Solutions Group - Claims Department
CUMIS General Insurance Company
P.O. Box 5065, 151 North Service Road
Burlington, Ontario
L7R 4C2

This summary highlights only some of the main coverage features and is not a contract. This summary provides no coverage, 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. Buyer Protection and Extended Warranty is underwritten by and is provided to credit union members through CUMIS General Insurance Company.