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Gap Insurance

Protects against loss and debt

All vehicles fall in value. If you suffer a write off, you'll either lose money or be left with a debt. Gap Insurance is an important protection regardless of your circumstances.

Hear more..

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EASY to arrange - SIMPLE to claim - 'A' rated insurer - 5 star rated - Low online prices!

1

Covers all named drivers on your motor insurance policy. 

It's included in our price!

2

Up to £250 of your motor insurers write off excess paid. 

It's included in our price!

3

Unlimited factory fitted options and dealer accessories covered - plus delivery, number plates and first registration fees!

We can't be

Compared

But give it a try, here's a check list

We only use independently 'A' rated global insurers
No claim limit on cars up to £50k, £50k limit thereafter
Covers unlimited number/value of factory fitted options
Covers unlimited dealer accessories fitted to vehicle
Covers on the road costs (delivery, plates & first reg fees)

FREE policy amendments
FREE policy transfers
Claims paid to you and NOT your motor dealer

Covers up to £250 toward your motor insurers excess

Any driver 18 yrs of age + covered if named driver

Happy customer claim

Having woke this morning and checked the bank account it is a huge relief to confirm we are in funds to the tune of £26,441.69. I cannot thank you all enough for this back to invoice GAP payment......I can confirm that your policy has indeed lived up to the claimed benefit `back to invoice’ and for that - I thank you

Ian P. Buckinghamshire

4

facts about vehicle write off's.

One vehicle every 90 seconds is written off in the UK.

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When a write off occurs, your motor insurer will only pay what the vehicle is worth at the time of write off

Your write off settlement is likely to be a lot less than you originally paid and you are likely to lose money

If you have financed or leased, your motor insurer's settlement may not be enough to clear your debt

There are Gap Insurances for cash buyers and for those who financed or leased their vehicle

We offer 4 types of Gap Insurance to protect you against these financial losses

Gap

Risk

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Options

Gap Insurance

4

Option 1

Finance Gap Insurance
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This policy does one very simple thing at an amazing low price. If you should experience a write off and your motor insurer doesn't pay enough to clear your debt - this policy will help take care of that for you*.

New & used vehicles

Dealer finance plans

Cash purchases

Contract Hire

Option 2

Contract Hire Gap Insurance
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This policy is only available for Contract Hire schemes. If you suffer a write off and your motor insurer doesn't pay enough to clear your lease - this policy will help take care of that for you*.

New & used vehicles

Dealer finance plans

Cash purchases

Contract Hire

Option 3

Return To Invoice
Gap Insurance
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This option will 'top up' your motor insurers write off payout - back up to the price you paid for the vehicle, or if you financed, the outstanding finance if that is a higher figure. Ideal for cash and finance buyers*.

New & used vehicles

Dealer finance plans

Cash purchases

Contract Hire

Option 4

Vehicle Replacement
Gap Insurance
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This option performs the same as Option 3, but will also pay any manufacturer or recommended market price increases that have taken place since you purchased your vehicle. Ideal for cash and finance buyers*.

New & used vehicles

Dealer finance plans

Cash purchases

Contract Hire

* The above are simple, short descriptions of how each of these insurances work. As you would expect with all insurances, they each have Terms and Conditions and eligibility criteria. Please refer to the full Terms and Conditions document to assess suitability for your needs.

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HOW

WORKS

IT

If you are unfortunate and experience a write off, you could lose a considerable amount of money. That's because your motor insurer is unlikely to pay what you paid for your vehicle. All vehicles reduce in value every month and many are worth just 30% of their cost over a 3 year period. 

If you have financed or leased your vehicle, the loss of outlay is not your only worry. You could still owe more than your insurer agrees to pay - leaving you with no car, a debt to pay and a deposit to find for a replacement.

Whether you purchased with cash, loan, Hire Purchase, PCP, Finance Lease or Contract Hire - we have a Gap Insurance to help protect you.

MORE

FEATURES

Our Gap insurance doesn't just protect you against loss or debt. They are packed with extra features that may not be found elsewhere and all are designed to give you extra value and protection.

For example, all of our Gap Insurances will also pay up to £250 towards your motor insurers write off excess charge. Our cover will also cover all named drivers on your motor insurance, providing they are at least 18 years old. Unlike policies elsewhere, ours provides cover for an unlimited number of factory fitted options and unlimited number of dealer accessories plus delivery charges, number plates and first registration fees if the vehicle is new.

Our Contract Hire and Finance Lease cover will also pay up to three of your original advance rentals - to help you with a deposit for a replacement if the worst should happen.

CAN

YOU BUY

Our Gap Insurance is available providing cover is purchased and started within 90 days of vehicle delivery from a motor dealer, broker or leasing company.

Depending on the type of Gap Insurance you need, cover can be available for vehicles up to 10 years old and less than 100,000 miles. Mileage is not limited during the period of cover. 

Our cover is available for vehicles with a purchase price of £75,000.00 or less including all extras and after discount is deducted. We regret we are unable to provide cover for motorhomes or any vehicle used for Hire and Reward, Courier, Driving School or Emergency Service use.

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We also offer

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Multi policy purchase discounts! See details when creating a quote.

Scratch & Dent
Insurance
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For when your vehicle suffers common minor cosmetic damage such as stone chips, dents and scratches. Repairs carried out at your home or place of work with no excess to pay.*

Alloy Wheel
Insurance
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Alloy wheels are so easily damaged by road debris, pot holes and mis-judged kerb parking. Alloy Wheel Insurance provides repairs at your home or place of work and no excess to pay.*