Buyer Protection & Extended Warranty

You come home after a day of shopping for that perfect birthday gift – dealing with long line ups 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're protected with the following benefits:

Buyer Protection
This coverage offers protection on the purchase of most retail items – and that includes gifts!
For 120 days after the purchase, an item is protected if stolen, dropped, broken or even consumed in a fire.
Are you purchasing with a cheque? No problem! As long as the cheque is drawn on 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 would be 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 Member Card®.

A unique benefit for Sunrise Credit Union members!
Similar products are offered on credit cards, 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 included
• 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.
Members have been reimbursed for items such as jewelry, sunglasses, golf clubs, clothing, computer equipment, video games, cellphones, cameras, furniture, appliances, iPads, trampolines, toys, and more.
Examples of items not covered: cash, travellers' 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. Then, to make a claim, call 1 (800) 263-9120, ext. 605800, and a Claims Representative will assist you.


This summary highlights only some of the primary 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. ®MEMBER CARD and MEMBER CARD Design are registered certification marks owned by Credit Union Central of Canada, used under license. © 2015 Credit Union Central of Canada. All rights reserved.
 

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