You can buy GAP Cover Insurance at any time for cars under 10 years old and with less than 120,000 recorded miles. It will also need to meet the eligibility criteria of our insurance options below.
This is because, if you bought your car from a dealer and have owned it for 3 months or less, we can offer you a higher level of cover (either Vehicle Replacement cover, if your car was new when purchased and has under 1000 recorded miles now, or Return to Invoice cover).I bought my car from a private individual, can I still buy GAP Cover Insurance?
You can still buy Return to Value cover from us if your car was bought privately.I own the car but am not the main user on the motor insurance policy, can I still buy GAP Cover Insurance?
The registered owner or keeper needs to be the applicant for the GAP Cover Insurance policy.What is the maximum value of car you can accept on cover?
Cars valued up to £125,000 can be covered. Please note that we can only cover cars up to £50,000 on our Return to Value GAP Cover Insurance.What is the claim limit for GAP Cover Insurance?
This can be whatever you select between £5,000 and £50,000.What sort of motor insurance cover should I have in order to be eligible to claim under GAP Cover Insurance?
Comprehensive Motor Insurance is required.What are the main exclusions of the cover?
In general, your car will be declared a "total loss" (or "write off") by your comprehensive motor insurer if it cannot be repaired to its pre-accident condition, or if the cost of this repair equals or exceeds a percentage of the current value of the car. Also, in the event your car is stolen and not recovered.What is the cooling off period?
There is a 14 day cooling off period during which, if you decide you do not want the cover, you will receive a full refund of any premium you have paid (provided no claim has been made). This 14 day period will run from the start date of cover or the date you receive your policy documents, whichever is the later. If you cancel outside this cooling off period, a pro-rata refund will be made subject to an administration charge of fifty pounds. If you have made a claim before you cancel, no refund of premium will be returned.
Cover the gap between your motor insurance payout and the cost of a similar brand new car.Find out more
Cover the gap between your motor insurance payout and the invoice price you paid for your car.Find out more
Cover the gap between your motor insurance payout and the value of your car.Find out more