Auto Dash and Steering WheelAuto insurance is a contract between you and an insurance company, protecting you from financial loss in the event of an auto accident or theft.

If you have a Bay Federal auto loan, we may reach out through email, text message, and/or letter to verify your coverage and ensure your vehicle is protected. You can update your insurance coverage at If you do not have a reference number, use your name, zip code, and the last five digits of your Vehicle Identification Number (VIN) to access your information.

How do I submit my insurance?

You can submit it online by visiting

What are Bay Federal’s Insurance Policy Requirements?

For automobile, motorcycle, or RV loans, you must maintain insurance providing coverage for accidental loss or damage to your vehicle and the policy must include:

  • Maximum Deductibles:
    • Comprehensive, $1,000.00
    • Collision, $1,000.00
  • List Lienholder/Loss Payee as:
    • Bay Federal Credit Union / Insurance Center
      P.O. Box 2086 Carmel, IN 46082

Why are you asking for my insurance policy now?

Bay Federal has always required acceptable insurance policies for vehicle loans. During a periodic audit review it was noted that your current policy is not on file.

The webpage and it’s asking for a Reference Code, I don’t have one?

You may click the “Don’t have an ID?” link and verify your identity using Name, Zip and last 5 digits of your vehicle VIN.

I am receiving an error on the webpage or I have other questions, what do I do?

You can call Bay Federal Credit Union at 831.479.6000 or 888.4BAYFED and dial 211.

I have insurance, how do I update my lienholder to Bay Federal?

Lienholder can be updated by your contacting your insurance agent or through your insurance provider’s website or mobile app.

mobile apps