Which Gap Insurance?
We offer three types of Gap Insurances to give you more choice.
You might like to know, we have been featured by Which? magazine for many years.
It's important to choose the right Gap Insurance.
It's important to choose the right Gap Insurance for your needs. The options available to you are determined by how you paid for your vehicle. To help us show you the correct Gap Insurance options available to you, please choose your method of financing your vehicle below. Please consult your vehicle supplier, broker or leasing company if you are in doubt about your agreement type.
Of the three finance options below, which will you be using?
Is your vehicle on
Contract Hire or Finance Lease?
Contract Hire. This an agreement where you simply hand the vehicle back at the end of the contract and your monthly payments are subject to or include VAT.
Finance Lease. This is an agreement with no option to purchase and your monthly payments are subject to or include VAT.
Is your vehicle subject to
any Hire Purchase or PCP?
Hire Purchase. This agreement fully repays the lender during the period and you are not required to pay a final lump sum to own the vehicle.
PCP agreement. A PCP agreement is one which provides a pre determined option to purchase at the end of the agreement and payments are not subject to VAT.
Is your vehicle paid by
Cash or Personal Loan?
Cash Purchase. This is where you have not financed the vehicle in any way, other than by credit card or loan from family and friends.
This can be a self arranged personal loan. This can be a bank, building society or any loan that is not secured against the vehicle, ie the vehicle details are not noted on the loan agreement.