Car2cover - Online Gap Insurance

Thank you for visiting this page. It is very important that you read this page and understand why we are different and how you can avoid making a costly mistake. Firstly, buying on the internet can be a daunting prospect and you will no doubt want an early answer to a question we are asked many times EVERY day;

"Why are you so much lower in price than motor dealers and other web sites and where is the catch?

1. We achieve low prices by economies of scale,

2. As an internet operation we have minimal overheads and costs,

3. We provide policies for motor dealer customers and directly to the general public nationally via this web site. This very high level of sales means insurers provide cover to us at much lower prices than they would for our competitors,

4. Because we sell in high volumes we can accept a much lower profit margin per sale. - It really is that simple.

True impartial independence

We are not owned,partly owned by, associated to, or influenced by any Insurance Company. We are entirely independent and we frequently research the market to establish who can offer us the best combination of; cover level, price, and more importantly customer service when making a claim.

Our unique selling points are proven;

1. We provide a generous back cancellation period  - 14 days !,

2. Our insurer allows full Return To Invoice cover to be purchased up to 180 days after delivery - elsewhere 120 days is the maximum,

3. We are the only on-line provider to offer a Price Promise under which if you find a comparable policy elsewhere for less we will refund the difference,

4. We have the easiest and fastest free quote web site and do not ask you to disclose your details until you decide to buy,

5. We don't just sell the simple single claim products like Gap Insurance, we also offer multi claim Tyre Insurance and Warranty products. We sell what our customers want and need - not what is easiest for us.

WARNING !! Watch out for a few 'banana skins' out there.............you could slip up - financially !.

1. Be VERY aware some on-line gap providers are selling protection underwritten by little known off shore insurance companies........

2. One on-line competitor offers RTI (VRI) Gap policies which make 'excess' deductions of 10% in first year, 20% in second year and 30% in third year. Those policies are not full and true 'Return To Invoice' cover. There is no excess deductions with our insurers !!!

3. Some insurer's settlements are cunningly 'the lesser' of two alternative figures, ours pays 'the greater' of two alternative figures. This may appear a trivial comparison but in a typical claim it means several thousand pounds difference !

4. Some policies in the market do not cover factory fitted options or dealer accessories - our policies will.

5. Some policies offered elsewhere only cover up to 100% of Glasses Guide valuation. Our policies pay up to 110% of Glasses Guide (including factory fitted options), that's an extra £1,000 payout on a £10,000 car and an extra £3,000 payout on a £30,000 car !.

6. Other insurers of tyres impose an insurance excess on every claim and will only insure the original tyres fitted to the car at the time you insured them. That means if you replace them due to wear and tear - the replacement tyres are uninsured. Our policy does not charge an excess and will insure any tyres fitted to the car including replacements.

7. Nearly all other warranty providers reduce their risk (and level of protection) by applying a limit they will pay for each claim. We choose to provide a claim limit which is equal to the Glasses Guide retail price of your vehicle at the time of buying our warranty.

We have been in the motor industry over 30 years and know a thing or two about the uninsured risks motorists are exposed to with so called 'fully comprehensive' motor insurance. Like you - we value simplicity, low prices and excellent customer service.

Read this typical testimonial;

"I was not aware of the existence of these types of insurance cover until my BMW dealer offered me these insurance products at the time of concluding my vehicle purchase. Whilst they seemed to be a very good idea, the premiums quoted were very high. I subsequently decided to check, using the internet, to see what options were available from alternative insurance providers. I quickly found that car2cover offered exactly the same insurance protection for Return to Invoice, Tyre and key insurance as offered by my BMW dealer and even used the same insurance underwriter. The only difference was the price. Car2cover were able to provide identical cover for all three items but for less than the price that my BMW dealer had offered for Tyre insurance cover alone. So a big thank you to the team at car2cover for giving me peace of mind and protection at a fraction of the price".
Ian M
High Wycombe
Buckinghamshire (by email)

Our email enquiry and customer help line is live 7 days per week from 8.30am – 10.30pm to ensure your questions are answered promptly and efficiently. If you have any questions on the content of this web site or our products, please feel free to email us at any time. We aim to respond to your enquiry within an hour.

car2cover is an on-line trading style of click2protect.