UPGRADE PROTECTION TO INCLUDE DEALER FITTED ACCESSORIES

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 confusing £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 Dealer Fitted Accessories Upgrade is £1,000.

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.

Many GAP policies on the market are not available if a bank loan was used. This is usually because the terms and conditions were written to support dealer supplied cars with dealer supplied add-ons, like finance.

Our policy is written specifically for the on-line market, to support and protect the consumer, wherever or however they purchased their car.

Therefore our Car Gap Insurance is suitable whether your car was purchased by means of cash or a loan.

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

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