NV motor club service bonds.
$1,000 flat.
Nevada does not let anyone render motor club service until $100,000 of security sits with the Commissioner of Insurance — cash, approved securities, or a surety bond, all three equal under NRS 696A.080. The bond is the cheap door: ours is $1,000 flat, and the price you see is the checkout price. The application includes a credit consent, but it authorizes a soft credit pull only — a soft inquiry that never affects your score.
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Three steps to a certificate of authority.
The Commissioner cannot issue your certificate until the deposit is on file, so the bond is usually the last thing standing between you and Nevada. Here is the entire process:
Apply online
Entity type, business and owner details, an effective date, and a one-time consent to a soft credit pull. No financial statements at this stage — the Division asks for those separately.
Pay & e-sign
Motor club bonds like this are among the thousands of bond types that issue right after purchase. Where underwriting wants a second look you hear back quickly, and the soft inquiry never touches your score. At most, 1–2 business days.
File with the Division of Insurance
Your executed bond and power of attorney arrive by email, ready to go into the UCAA electronic filing with the rest of your motor club application. Wet-ink original mailed on request.
What it is and who needs it.
What the motor club security actually guarantees
A motor club in Nevada is any organization that, in consideration of dues, assessments or periodic payments, promises members help with travel and with the operation, use and maintenance of a motor vehicle — towing, emergency road service, trip routing, theft rewards, legal-fee reimbursement, discount programs. NRS 696A.130 makes it unlawful to render that service without a certificate of authority from the Commissioner of Insurance, and NRS 696A.140 forbids the Commissioner from issuing one until the security is deposited.
The security is not there to protect you. NRS 696A.090 holds it for the protection, use and benefit of every person whose membership application the club or its representative has accepted, and conditions it on two promises: that the club will faithfully furnish and render the services it sold or offered, and that it will pay any fines, fees or penalties imposed under chapter 696A. Under NRS 696A.100, a member defrauded or injured by a wrongful act, misrepresentation or failure of the club may bring suit on the bond in their own name — with the surety's aggregate liability across all such suits capped at the penal sum.
It is not insurance for you — if the surety pays a claim, you repay the surety. And it is a live filing rather than a one-time hurdle: NRS 696A.080 requires the security to be continuously maintained, a motor club certificate of authority expires every March 1 under NRS 696A.150, and NRS 696A.185 wants an activity report with fees by March 1 plus an independently certified financial statement by June 1. We track the bond and notify you 60 and 30 days out so the deposit never lapses.
You need this bond if you are
One application, issued instantly.
These are the actual issuing fields, plus a one-time consent that authorizes a soft credit pull. It is a soft inquiry that never affects your score, and never a hard inquiry.
Start the application →Common questions.
Other Nevada bonds.
Your certificate of authority is waiting on one deposit.
$1,000 flat, soft pull only, bond often issued in the same sitting. Free until issued.