Say NO to basic Gap Insurance, say 'hello' to
Advanced Gap Insurance
5 star rated on Trustedshops.co.uk
Covers write off losses and debt
Covers excess in a write off
Covers excess in a NON write off!
Covers 30 days car hire
No nasty market value catch
Covers options and accessories
Low online prices PLUS multi policy discounts and FREE £75 wine voucher
Buy two or more policies for the same vehicle and enjoy low online prices plus up to an extra £20 multi policy discount!
Offer excludes motor insurance and paint & upholstery treatments.
Read what our customers are saying about us.
Gold Standard Gap Cover
Introducing the revolutionary Advanced Gap Insurance that can be claimed on even in NON write-off motor claims. For over 25 years, Gap Insurance claims have been limited to write-offs. But now, you can enjoy and be protected by a unique Gap cover you can claim on in write off and non write off claims.
Cover in non write off cases
If you make a motor insurance claim that is not a write off, our Gap Insurance will pay up to £500 towards your motor insurers excess charge. Our policy will do that for every year of your Gap Insurance with us. It's unique online, its ours!
Cover for write off's
Great news! With our Advanced Gap Insurance, you can have peace of mind knowing that in a write off, we'll top up what your insurer agrees to pay, back up to the price you paid for your vehicle - or the outstanding finance if that is higher. And that's not all, we'll also cover up to £500 of write off excess.
We'll cover car hire too
If you suffer a write off and make a valid Gap Insurance claim with us, you may also qualify for up to 30 days car hire costs, in addition to your Gap and excess claim payouts. Goodby basic cover - hello Advanced Gap Insurance!
What are the write off risks and what will Advanced Gap Insurance do for me?
What is a write off?
A write off can be one of two things. It's either an unrecovered theft of a vehicle, or damage to a level that makes it uneconomical to repair. In both cases, the motor insurer will 'write the vehicle off' and pay you the value of the vehicle at the time of the write off. This may not be enough to replace your vehicle or clear your outstanding finance.
How can a write off affect me?
If you paid cash for your car, you're likely to receive a lot less for it than you originally paid and as such, you'll suffer an unexpected loss. If you financed or leased your car, your insurer may not pay enough to clear your debt or provide sufficient funds for another deposit.
How does Advanced Gap Insurance differ to others?
Other Gap Insurances in the online market can only be claimed upon if a write off occurs. As explained above - thats 1% of all motor insurance claims. Advanced Gap Insurance also provides cover for non write off claims too - and thats 5% of all motor insurance claims. This makes our Advanced Gap Insurance 5 times more likely or capable of being claimed upon than any other online Gap Insurance.
What are the write off risks?
Insurance statistics show that over 400,000 vehicles are written off every year. That equates to one vehicle every 90 seconds, night and day, 365 days a year. Whilst write off claims are typically only 1% of the motoring population each year, a write off can have devastating financial and inconvenience implications for motorists.
How does Gap Cover help?
If you paid cash for your car, Gap Insurance will top up your motor insurers payout - back to the price you originally paid for it. If you financed or leased, your debt will be paid and there may be sufficient remaining to receive a surplus to use as a deposit for your next vehicle.
Shop Carefully.....
To achieve lower premiums and 'appear' more attractive to the online buyer, many policies have clauses that help reduce the insurers risk and pay you less in your claim. For example, some have a market value or Glasses Guide clauses that you cannot possibly calculate the impact of - until you make a claim. Some policies do not provide cover for named drivers and some do not cover dealer accessories, car hire cover or non write off excess cover.
Who can by Advanced Gap Insurance and when?
When you can buy
Advanced Gap Insurance can only be purchased within 90 days of taking possession/delivery of your vehicle from a motor dealership, broker or leasing company.
Cash or finance buyers
Advanced Gap Insurance is suitable and of benefit to those who paid cash or those who fully or partially financed their vehicle under a PCP, HP, or personal loan.
What age and mileage
Vehicles that are under 10 years of age and under 100,000 miles qualify for Advanced Gap Insurance, provided they were acquired within the last 90 days.
Vehicle type
Advanced Gap Insurance is available for cars and light commercial vehicles with a maximum GVW of 3500kg. Vehicles used for Hire and Reward, Taxi, Private Hire and Courier use are not eligible.