GAP stands for Guaranteed Asset Protection. It covers the difference between what your motor insurer will pay if your vehicle is written off or stolen, and what you originally paid for the vehicle or what you still owe on finance.

GAP insurance compliments your motor insurance. Your comprehensive policy would only pay the current market value of your car — not what you originally paid or owe on finance. GAP insurance fills that gap so you’re not left out of pocket.

Here are the features and benefits of our GAP insurance:

• If an incident occurs resulting in your vehicle being written off due to accident, fire or theft GAP insurance covers the difference between your comprehensive motor insurer’s settlement amount at the time of loss, and the greater of the original invoice price or, the amount outstanding amount under your finance agreement (if any).
• Up to £750 Motor Insurance Excess cover for total loss claims
• Up to £750 Additional Excess cover per year for non-total loss claims
• £30 per day Temporary Vehicle Replacement cover up to 30 days
• Minimum Gap Benefit payable equal to the premium paid by the customer for the policy
• Unlimited Factory Fitted options
• Dealer Fitted Accessories up to £1,500 included
• Transferrable to a family member or replacement vehicle
• Daily pro-rata cancellation after 30 days, subject to a £15 fee

Our GAP insurance policy covers the difference between your comprehensive motor insurer’s settlement amount at the time of loss, and the greater of the original invoice price or, the amount outstanding under your finance agreement.

This provides financial reassurance in the event of a total loss and enables you to get back into a new vehicle.

The cost of GAP Insurance varies based on the vehicle’s value and the duration of your finance agreement, with policies typically ranging from £35.55 to £397.82 for multi-year coverage.

Return to Invoice covers the amount by which the original invoice price of the vehicle exceeds the comprehensive motor insurer’s settlement at the time of the total loss.

You can submit a claim via our Customer Care Portal which allows you to quickly submit your claim and track its progress. You can complete your claim in just a few simple steps, ensuring that you receive the support you need without unnecessary delays. We are committed to providing you with a seamless experience, empowering you to effortlessly take control of your insurance needs.

If preferred, you can also submit claims via phone, email and post.

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