GAP Insurance

Whether you require GAP Insurance to cover a Car/Light Van you've already owned for up to 6 years, or a Car, Light Van, or Motorcycle you've just recently purchased or are about to purchase; you've come to the right place!

Subject to eligibility we can offer:

• "Invoice GAP Insurance Plus+" policies which cover the difference between the motor insurance payout and either the original vehicle purchase price or the Finance Agreement Settlement Figure - whichever is the greater - unlike the "Standard" Invoice GAP Insurance policies offered by most of our "competitors".
• "Retail Value GAP Insurance" policies based on the current Retail Value of your vehicle according to Glass' Guide - Not, like our "competitors" use, the often considerably lower "Private Good" valuations given by Parker's Guide.
• "Replacement GAP Insurance" policies covering the difference between the motor insurance payout and the equivalent cost of replacing the vehicle New-For-Old at the time of claim - even if the replacement vehicle costs more than the original purchase price.
• All policies arranged via UK Underwriting Ltd on behalf of Fortis Insurance Limited - a financial heavyweight in the world of Insurance, unlike the comparatively unknown insurers offered by our "competitors".
• Cash-Payouts. Unlike some of our competitors, we'll not try to physically replace your vehicle, nor dictate what vehicle you should buy and from whom you should buy it. In almost all cases our payout will be in the form of a cheque, leaving you free to source your own vehicle from your own choice of dealer.

PRIVATE VEHICLES Where the vehicle is registered to and used by a Private Individual, GAP Insurance is available for the following vehicles: A car or light van with a value of up to £100k. A motorcycle with a value of up to £15,000

Types of GAP policies that we can provide:

Invoice GAP Insurance Plus+ (RTI) for:

• Private Cars and Light Vans,
• Private Motorcycles, (Standard Invoice GAP Insurance Only)

In the event of your vehicle being written off, this policy covers the difference between your Motor Insurance payout and either; the original price that you purchased the vehicle for OR the Finance Agreement Settlement Figure - whichever is the greater!.

Retail Value GAP for:

• Private Cars and Light Vans up to 6 years old purchased more than 105 days ago.

In the event of your vehicle being written off, this policy covers the difference between your Motor Insurance payout and what was the retail value of your vehicle (according to Glass Guide) on the day you purchased the Retail Value GAP Insurance policy.

Replacement GAP (VRI) for:

• Private Cars and Light Vans

In the event of your vehicle being written off, this policy covers the difference between your Motor Insurance payout and the equivalent cost of replacing the vehicle New-For-Old at the time claim. That's even if the replacement vehicle costs more than the amount you originally bought the vehicle for.