UPGRADE PROTECTION TO INCLUDE CONTRACT HIRE

This is an optional upgrade to your Car Gap Insurance, available if you obtained your car from a vat registered motor dealer in the last 90 days.

Many contract hire lease agreements have stringent penalty clauses for early termination, some-times as much as 50-70% of the remaining rentals.

If your car's stolen or damaged beyond repair the combined benefit of Contract Hire upgrade together with the Car Gap Insurance pays the difference between your motor insurers' settlement, the value of your car when you purchased this insurance PLUS, if the termination charge of the contract hire / lease agreement is greater than the value of your car when you purchased this insurance, we will pay the additional shortfall ensuring you are not out of pocket.

EXAMPLE:
Value of your car today	£15,000
Motor Insurance Settlement	£11,500
Contract Hire/Lease termination charge	£18,000
Car Gap Insurance Benefit	£3,500
Contract Hire Upgrade Benefit	£3,000
Combined Car Gap Insurance Payout	£6,500

We are proud to say Car Gap Insurance are the first, and we believe only, on or offline provider of this type of insurance to remove the £5,000 to £25,000 claim limit.

Purchase a policy from Car Gap Insurance and you can be safe in the knowledge your claim will be settled without the claim limit restriction.

NOTE:
Maximum benefit of Contract Hire upgrade is £5,000

We consider it unreasonable to expect our customers to take on the responsibility of accurately valuing their car so we have re-written the policy to remove this need.

So don't worry about knowing the exact value of your car when you purchase a policy, instead, just select the most appropriate price range from the three provided, and we'll provide your quote in seconds.

At the point of claim, it's our responsibility to establish a full valuation. Where available we'll use your purchase invoice and, like most motor insurers we'll use the services of Glass's Guide, the industries leading third party valuation resource for almost 75 years, to determine accurate independent valuations.

Because we, and your motor insurer, use the same independent valuation system, you can rely on the fact depreciation will have been monitored and recorded accurately and reliably.

Please note: If you choose a price range lower than the value of your car, then our settlement will have to be restricted to the highest vehicle value of the price range chosen.

We appreciate not everyone is looking for the same level of protection, so we offer you the unrivalled opportunity to tailor your policy to your specific needs.

Our Car Gap Insurance policy provides the most essential protection against car depreciation by paying the difference between your motor insurers' settlement and the value of your car today. A choice of 9 optional policy upgrades allow you tailor cover specific to your needs, so you only pay for the protection you require!

This innovative approach allows us to deliver dependable comprehensive cover whilst keeping underwriting costs to a minimum. In so doing, we are proud to say that Car Gap Insurance premiums, without compromise to cover, continue to be among the lowest in today's market.

If you would like to add more than one of the 9 optional policy upgrades, the Policy Upgrade Chart provides a simple illustration of the combination of upgrades that can be purchased together.

View the Policy Upgrade Guide.

Contract Hire upgrade is available when your car is under a Contract Hire or Lease agreement.

NOTE:
Whilst our Car Gap Insurance policy provides the most essential protection against car depreciation, and is available for cars purchased by means of cash or loan, the Contract Hire upgrade is only available if you took delivery of your car in the last 90 days from a vat registered motor dealer.

• Available up to 90 days after you took ownership of your car

• Covers cars up to 80,000 miles at start of policy with no mileage restriction after policy purchased.

• Available for cars up to 7 years old at the start of the policy.

• 21 day money back guarantee
  Whatever the reason, you can cancel your policy within the first 21 days and we will refund your premium in full

• Transfer Cover Free for 90 days
  If you dispose of your vehicle in the first 90 days, we will transfer the policy to a similar value vehicle free of charge.

• Suitable for cars provided an entity registered for VAT for the purpose of providing motor vehicles within 90 days of purchase of this policy.

• Gap Insurance for Driving Instructors
  Now the same robust reliable Car Gap Insurance policy can be extended to include protection for cars used by driving schools and instructors.

• Gap Insurance for Taxi
  Our Gap Insurance policy can now be extended to include protection for cars used as a taxi. ("Not suitable for Black Cabs")

• Pays you the difference if the termination charge of the contract hire / lease agreement, less any rebates or refunds, exceeds the vehicle value.

• Pays up to £5,000

• Protects you against early termination cost

• You're not out of pocket if the termination charge is greater than the value of your car

This is an optional upgrade to Car Gap Insurance, available if you obtained your car from a vat registered motor dealer in the last 90 days.

Many contract hire lease agreements have stringent penalty clauses for early termination, some-times as much as 50-70% of the remaining rentals.

If your car's stolen or damaged beyond repair the combined benefit of Contract Hire upgrade together with our Car Gap Insurance pays the difference between your motor insurers' settlement, the value of your car when you purchased this insurance PLUS, if the termination charge of the contract hire / lease agreement is greater than the value of your car when you purchased this insurance, we will pay the additional shortfall ensuring you are not out of pocket.

EXAMPLE:
Value of your car today	£15,000
Motor Insurance Settlement	£11,500
Contract Hire/Lease termination charge	£18,000
Car Gap Insurance Benefit	£3,500
Contract Hire Upgrade Benefit	£3,000
Combined Payout	£6,500

That's right; we send you a cheque for £6,500! We pay the depreciation PLUS additional termination charges - your motor insurer doesn't. Think of it as an incredibly valuable top-up to your Motor Insurance.

NOTE:
Whilst our Car Gap Insurance policy provides the most essential protection against car depreciation, and is available for cars purchased privately or from a dealer any time in the last seven years, the Contract Hire upgrade is only available if you bought your car in the last 90 days from a vat registered motor dealer. If the monthly rental exceeds £1,000 per month excluding VAT then this policy will not operate.

Click here for the FAQs

• Provides cover against financial loss in the event of your motor insurer declaring your vehicle an insurance write-off

• Refunds depreciation

• Cover can be purchased up to 7 years after taking ownership of the vehicle

• There is no claim limit

• Covers cars up to 80,000 miles at start of policy with no mileage restriction after policy purchased

• 9 optional upgrades provide additional valuable protection if required

• Cover available for up to four years

• 21 Day Money Back Guarantee. Whatever the reason, you can cancel your policy within the first 21 days and we will refund your premium in full.

• Transfer Cover Free for 90 days. Sometimes the car you ordered doesn't arrive, or the dealer needs to replace it for mechanical reasons. No problem, we will transfer the cover to your replacement car free of charge.

• Motor Insurance can be in your name or simply list you as a named driver

• Cover can be extended to include protection for cars used as a taxi or for driving school purposes.
  (Please note: this upgrade is not available for Black Cabs)

• Return to Invoice upgrade pays the Gap Insurance benefit plus the difference between the vehicle value and the invoice price paid. To include this upgrade your car must have been purchased from a motor dealer within 90 days of purchase of this policy.

• New car replacement upgrade pays the Gap Insurance benefit plus the difference between the vehicle value and the price of a replacement new vehicle. To include this upgrade your car must be less than 3 months old, less than 500 miles, you or your partner must be the first registered keeper and have purchased the car from a motor dealer within 90 days of purchase of this policy.

• Finance shortfall upgrade pays the shortfall if the amount owing to settle a car hp finance agreement is greater than the vehicle value on the date of total loss. Maximum payment is £5000. To include this upgrade your car must have been purchased from a motor dealer within 90 days of purchase of this policy.

• Contract hire upgrade pays up to £5000 if the termination charge of the contract hire / lease agreement exceeds the vehicle value. To include this upgrade your car must have been purchased from a motor dealer within 90 days of purchase of this policy.

• Dealer fitted accessories upgrade pays up to £1000 toward dealer fitted accessories.

• Inconvenience Compensation upgrade pays a guaranteed £500 directly to you if your car is classed as a total loss.

• Motor insurance excess buster pays up to £1,000 toward the excess deducted by your motor insurer.

(Please note: these upgrades are not available for Black Cabs)

Click here for the terms and conditions