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Car GAP Insurance

Get protection against any financial shortfall in your insurance pay out in the event of an accident or criminal damage. GAP Insurance pays the difference between your insurer's settlement figure and the amount of you original vehicle costs.

What is RTI & Finance GAP Insurance?

If your vehicle is stolen or written off as a result of an accident, fire or theft, most insurers will only pay market value for your vehicle even if the claim was no fault of your own. Depending on the age and mileage of your vehicle at the time of loss, the market value may be substantially less than the price that you paid for it originally.

  • GAP Insurance covers financial shortfall for up to 5 years as standard
  • £250 contribution towards your motor insurance excess
  • Covers dealer fitted accessories that appear on a manufacturers price list
  • Covers anyone who is fully comprehensively insured
  • Contract Hire & Lease GAP will contribute toward initial rentals of up to £2,000

GAP Insurance is provided by our partner Premia Solutions, a trusted insurance product and service provider in the UK automotive industry.

Return to Invoice GAP Insurance Cost

Monthly Payment Prices - up to 48 Months

Invoice Price£0 - £10k£10k - £20k£20k - £30k£30k - £50k
Max Benefit £10,000 £10,000 £25,000 £25,000
RRP £9.99 per month £9.99 per month £9.99 per month £9.99 per month

Single Premium - 36 or 48 months

36 months48 months
Invoice Price£0-50k£0-50k
Max Benefit£25,000£25,000

Hire & Lease GAP - Single Premium

Invoice Price£0 - £50k£0 - £50k
Max Benefit£10,000 £15,000
10 Interest-free DDsYes Yes
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Combination GAP (RTI) Cover for New and Used Cars

This pays the difference between your motor insurance settlement (or Glass's Guide retail value whichever is the greater) and the net invoice price you paid for the vehicle.

Combination GAP (RTI) Cover provides you with financial protection for periods from 12 months up to a maximum period of 48 months depending on the level of cover you have purchased.

  • Cover will cease if you sell your vehicle or have a claim paid.
  • Claim limit is a maximum of £25,000.

An example of how it works

  • You buy a new vehicle costing £12,500.
  • Your vehicle is stolen or written-off.
  • Your insurance only pays £7,500, not the full £12,500.
  • You could be £5,000 out of pocket!
  • What happens without Combination GAP (RTI) Cover? GAP will cover the difference between the vehicle cost and the insurance pay-out (see below).

What happens WITHOUT combination GAP (RTI) Cover?

Without GAP Cover

What happens WITH combination GAP (RTI) Cover?

With Gap Cover

What are the Benefits of GAP Cover?

  • GAP Insurance gives you protection against any financial shortfall in your insurance pay-out
  • Returned to the original position before a write-off
  • Freedom to do as you wish the pay-out
  • Average claim submitted to claim paid time of 4.3 days

Are your eligibility for GAP Insurance?

You will be eligible for the policy if you are, or will be:

  • Fully comprehensively insured on the vehicle and will be throughout the term of cover.
  • The registered keeper of the vehicle.
  • Using the vehicle principally in the UK, Ireland, Channel Islands or the Isle of Man and for no more than 60 days in member countries of the EU.
  • Not using the vehicle as a taxi, emergency vehicle or for private hire.

Significant Exclusions from GAP Insurances

As well as the features and benefits of GAP, it's important that we make you aware of the product exclusions. Below are some of the major ones. This should not be used as a substitute for your policy documentation, which details the policy exclusions in full.

  • The vehicle must NOT be an emergency vehicle, commercial vehicle, taxi, courier vehicle, bus, minibus, coach, truck, motor home, trailer ,heavy goods vehicle, licenced private hire vehicle, daily rental vehicle or breakdown and recovery vehicle.
  • Damage to the roof, bonnet, boot lid/tailgate or any horizontal surface is limited to stone chip damage only.
  • Any damage that has been accumulated over an extended period, which is deemed to wear and tear.

Consumer Information

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