Plan Management and Renewal Guide

Use this guide to find plan documents, review announcements, update financed-vehicle ownership details, leave or restore a plan, and manage renewal actions in the GDC App.

For plan lifecycle rules, see Enrollment, Quotes, and Plan Lifecycle. For payment rules, see Pricing, Payments, and Pledge.

How mutuality works in the app

The GDC App includes a How it works area where members can review mutuality explanations, repair journey materials, and related educational content.

Find mutuality documents

To view or download mutuality documents:

1. Open the GDC App.
2. On the Dashboard, select the mutuality plan.
3. Open Plan Details.
4. Select Mutuality Documents.

The GDC Plan Summary can show plan information such as effective date, selected items, and price.

Update your plan address

The address-change update will provide the following flow. Before starting, obtain a new auto insurance declarations page PDF showing your new address. The document must include the vehicle on your current plan and the current planholder.

1. On the Dashboard, select the plan and open Plan Details.
2. Open Manage Plan and select Address. Enter your 6-digit PIN when prompted.
3. Upload the new declarations page PDF and wait for the App to read and validate it.
4. Review the Primary Address read from the document. Check that it is correct before continuing.
5. Follow the prompts to confirm the address update after validation succeeds.

The confirmed change will take effect immediately. The plan contract and sharing-details PDF documents will be updated, and an email will confirm that the change has taken effect. See Locked and changeable plan details after payment for the address-change rules.

Update financed vehicle ownership

For a financed vehicle, you can update ownership or lienholder information:

1. On the Dashboard, select the mutuality plan.
2. Open Plan Details.
3. Tap Vehicle Ownership.
4. Edit the lienholder or finance company information.
5. Tap Save Changes.
6. Check the GDC mutuality notice or plan summary after the update.

Review previous announcements

To view previous sharing announcements:

1. Open Transparency.
2. Tap View More.
3. Review previous weekly announcements.

Terminate or cancel a plan

If you want to terminate a plan:

1. Go to the Dashboard.
2. Select the plan you want to terminate.
3. Open Plan Details.
4. Tap Manage Plan.
5. Enter the PIN.
6. On the Manage Plan page, select the plan termination option.
7. Follow the prompts carefully before confirming.
8. For an eligible exit, the App returns to Plan Details, where you can review the restoration deadline and available actions. A plan labeled Ended may still be restorable before that deadline.

The following example shows leaving an already-effective plan, whose service fee is non-refundable.

Restore a plan

A plan can be restored once after an eligible voluntary App exit. The normal window is seven days, but it can end earlier. Use the deadline shown in Plan Details. Plans ended by overdue-payment removal, a payment dispute, forced termination, expiration, or other excluded causes cannot use this flow. See the full eligibility rules.

1. Open the plan from Dashboard or the full plan list.
2. In Plan Details, find You Can Still Restore This Plan and check the deadline.
3. Tap Restore Plan.
4. Review the current amount due. It includes any pre-exit Weekly Sharing debt and missed-cycle amounts required to restore this plan.
5. If No Payment Required appears, tap Restore Plan, review the confirmation, and confirm. No payment is due today; future Weekly Sharing continues as scheduled.
6. If an amount is due, tap Continue to Payment, choose a payment method, review the amount and transaction fee, and complete payment and any required verification.
7. On Plan Restored, tap View Plan Details to check the updated plan status and dates.

Restoration keeps the original plan period. Immediate restoration does not bring a future effective date forward. An already-effective plan resumes its benefits; a plan whose original start has not arrived remains scheduled to start on that date.

For ACH payment status and billing, see Pay to restore a plan. If the amount or status changes, follow the restoration message and review the latest details before trying again.

Continue without restoring

If the plan had not become effective when you left, Plan Details may also offer Proceed Without Restoring. Read the confirmation carefully:

• Go Back returns without confirming this choice.
• Continue ends the restoration opportunity and triggers the service fee refund. This plan cannot be restored afterward.

If you take no action and the window ends without restoration, the eligible service fee refund is triggered automatically. A plan that was already effective when you left has no service fee refund option.

Renewal during the restoration window

While restoration is available, renewal quote creation, automatic payments, retries, and related notifications are paused. After restoration they resume under the usual renewal rules. The original expiration date does not move, and restoration cannot be used to extend an expired plan.

Change renewal plan items

During renewal, you can adjust renewal plan items without canceling automatic payment:

1. On the Dashboard, select the renewal plan.
2. On the renewal payment page, review the quote summary.
3. Use View and Edit to adjust OOP or optional items.
4. Confirm the updated renewal details.

Disable auto-renewal

To disable auto-renewal:

1. On the Dashboard, select the renewal plan.
2. On the renewal payment page, tap View and Edit.
3. Tap Disable Auto-Renewal.
4. Confirm the cancellation of auto-renewal.

Manually pay a renewal plan

If auto-renewal is disabled and you still want to renew manually:

1. Go to the Dashboard.
2. Select the renewal plan.
3. Review the quote summary on the renewal payment page.
4. Tap Pay to manually pay the renewal fee.