GAP Insurance

Whether you require GAP Insurance to cover a Car or Motorcycle you own privately, or a commercial Van, Truck or Car (including Taxis and Driving School Vehicles), you have come to the right place.

SurfandProtect.com have the most comprehensive range of GAP Insurance products available in the UK, and by purchasing from us as opposed to your Motor Dealer or Finance Company, you can make a substantial saving on the cost of the GAP Insurance policy.

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

Commercial VEHICLES Where the vehicle is registered to and used by a commercial entitiy, Commercial GAP Insurance is available for the following vehicles: Vans with a value of up to £100,000 for <3.5t or up to £40,000 for <7.5t Trucks (up to 44t) with a value of up to £100,000 Cars, including Driving School Vehicles, with a value up to £100,000 . Plus cover is available for Taxis with a value of up to £40,000.

Types of GAP policies that we can provide:

Finance GAP for:

• Private Cars and Light Vans,
• Company Cars (including Driving School Vehicles) and Light Vans,
• Private Motorcycles,
• Vans up to 7.5t,
• Trucks
• Taxis.

In the event of your vehicle being written off, this policy covers the difference between your Motor Insurance payout and the amount required to settle the remaining balance of the finance agreement that is secured on the vehicle.

Contract Hire GAP for:

• Private Cars and Light Vans,
• Company Cars and Light Vans,
• Vans up to 7.5t
• Trucks.

In the event of your vehicle being written off, this policy covers the difference between your Motor Insurance payout and the amount required to settle the remaining term of the Contract Hire / Lease Agreement of which the vehicle is subject.

Invoice GAP (RTI) for:

• Private Cars and Light Vans,
• Company Cars (including Driving School Vehicles) and Light Vans,
• Private Motorcycles,
• Taxis.

In the event of your vehicle being written off, this policy covers the difference between your Motor Insurance payout and the original price that you purchased the vehicle for.

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.