SurfandProtect.com: GAP Insurance, Shortfall Cover, Invoice Price Protection, Vehicle Replacement Insurance: Whatever you call it, it's an invaluable addition to your Motor Insurance policy.

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GAP INSURANCE

GAP Insurance

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GAP INSURANCE - Private Vehicle

Replacement GAP Insurance

Replacement GAP Insurance is our flagship policy and provides the highest level of cover.

In the event of your vehicle being written off, Replacement GAP Insurance will pay the difference between your Motor Insurance Payout and the equivalent cost of replacing the vehicle new for old. Even if the replacement vehicle is more expensive than the original price you paid for the vehicle.

Replacement GAP Insurance is only available to cover brand new vehicles at first registration with a value of up to £100,000 and must be taken out no later than 105 days after you become the registered keeper of the vehicle.

Available to cover:

A vehicle purchased for up to £100,000

Finance GAP

What is Invoice GAP Insurance Plus+?

Invoice GAP Insurance Plus+ is a combined Finance and Invoice GAP Insurance policy.

Invoice GAP Insurance Plus+ is available to cover both new and used vehicles either financed or cash purchased and must be taken out no later than 105 days after you become the registered keeper of the vehicle.

How does it work?

If your vehicle is written off Invoice GAP Insurance Plus+ will pay the difference between your motor insurance payout and either the Original Purchase of the vehicle OR the Finance Agreement Settlement Figure - whichever is the greater.

What is Retail Value GAP Insurance?

Retail Value GAP Insurance is our newest form of GAP Insurance and has been launched due to high demand for the product.

Retail Value GAP Insurance is available to cover any vehicle which is less than 6 years old having a retail value* of less than £100,000 and is registered to a private individual. It is available for vehicles purchased either from a Motor Dealer or Private Sale.

How does it work?

Well, lets say that you originally purchased a vehicle for £10,000 but only took out Retail Value GAP Insurance after the vehicle's retail value* had already dropped to £8,000.

Retail Value GAP Insurance, in the event of your vehicle being written off, will pay the difference between your Motor Insurance payout and the £8,000 retail value of your vehicle when you originally purchased the Retail Value GAP Insurance policy.

* = According to Glass Guide

Finance GAP Insurance has been merged with our Invoice GAP Insurance policy to create "Invoice GAP Insurance Plus+".

Covering the difference between the motor insurance payout and either; the original vehicle purchase price OR, the amount required to settle the remaining balance of the finance agreement (whichever is the greater), it's a superior form of Invoice GAP Insurance than many others on the market.

See the links to the right for more details.

Invoice GAP Plus+

Available to cover:

A vehicle purchased for up to £100,000

Standard Invoice GAP Insurance is available to cover a Bike purchased for up to £15,000

Covers the difference between Insurance payout and the amount originally paid for the vehicle.

Retail Value GAP

Available to cover:

A vehicle with a Retail Value of up to £100,000

Covers the difference between Motor Insurance Payout and what was the Retail Value of your vehicle when you took the policy out.

Note: Vehicle images displayed are only intended to represent the type of vehicle, e.g. Bike / Car / Van / Truck, and are not intended to represent specific vehicle models which may or may not be eligible for GAP Insurance cover.

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