If your vehicle is totaled, or stolen and not recovered, your primary insurance company may pay a settlement covering the fair market value or actual cash value of the vehicle at the time of loss.

In certain situations, the balance of your loan will exceed the value of your vehicle, which results in a negative equity position. Settlements can be thousands of dollars less than the amount owed. This leaves you with a gap to pay out of your own pocket. Subaru Equity Shield® helps you avoid all or most of this potentially significant expense.
Benefits of Subaru Equity Shield®

Subaru equity shield covers all or most of the difference between what you owe and the amount paid by your primary insurance company.¹ It even covers your insurance deductible, up to $1,000.

With Subaru Equity Shield®:
  • You don't have to worry about the potential shortfall between your loan balance and your primary insurance settlement.¹
  • You'll help protect your credit rating and limit unexpected out-of-pocket expenses.
  • Your primary insurance deductible is covered up to $1,000.

Subaru Equity Shield® Covers/Provides:

  • Negative equity if rolled over from prior loan²
  • Deductible coverage up to $1,000
  • Up to 84-month loan term
  • Exclusively for new and used private passenger vehicles³
  • Vehicles not exceeding 12,500 pounds gross vehicle weight
  • Maximum benefit amount up to $50,000
Subaru Equity Shield® is voluntary and is available at the inception of your loan. Enroll today and drive away with peace of mind.

For more details, call the Sport Subaru sales team or inquire about it during your showroom visit.

  1. There is a potential for Subaru Equity Shield® not to eliminate the full remaining balance. There is potential liability for past due amounts, late fees and other items as listed in the Net Payoff, Limitations and Exclusions sections of the waiver.
  2. See Subaru Equity Shield waiver for full coverage details.
  3. The following vehicles are excluded from coverage: Any vehicle in excess of 12,500 lbs GVWR, Daewoo, Bentley, Lamborghini, Lotus, Maserati, Ferrari, Rolls Royce, Yugo, Aston Martin, RVs, boats, ATVs, snowmobiles, motorcycles, and trailers.
  4. The borrower will remain responsible for the portion of the Net Payoff that results from the amount financed exceeding the Maximum Eligibility limit stated in the GAP Waiver.
  5. PLUS benefits are not restricted to Subaru vehicles.

Subaru Equity Shield® is marketed through Subaru Motors Finance. Subaru Equity Shield® is made available through participating dealers and administered by ERJ Insurance Group, DBA American Heritage Insurance Services. Northbrook Indemnity Company and First Colonial Insurance Company provide liability insurance policies that reimburse the lender for Subaru Equity Shield® covered deficiency waiver benefits. Subaru Equity Shield® and Subaru Equity Shield PLUS® are not available in all states. Dealer advance is subject to state rate and filing limits. This is a summary. Please refer to the Subaru Equity Shield® addendum and other program materials for complete details. The trade name "Subaru Motors Finance" is owned by Subaru of America, Inc. and licensed to JP Morgan Chase Bank, N.A.

*The trade name "Subaru Equity Shield" and the Subaru logo are owned/licensed by Subaru of America, Inc.

Sport Subaru

1800 N John Young Pkwy
Directions Orlando, FL 32804

  • Sales: 855-835-5896
  • Service: 407-512-9014
  • Parts: 407-573-7253


  • Monday 08:30am - 08:00pm
  • Tuesday 08:30am - 08:00pm
  • Wednesday 08:30am - 08:00pm
  • Thursday 08:30am - 08:00pm
  • Friday 08:30am - 08:00pm
  • Saturday 08:30am - 07:00pm
  • Sunday 12:00pm - 06:00pm