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The price of your Vehicle, as confirmed in the sales invoice which includes factory fitted accessories and dealer fitted options up to £1,500 and paintwork protection systems up to £250. You should exclude all deposit allowances, discounts, rebates, concessions, cashbacks, incentives and contributions, new vehicle registration fees, road fund licence fee, number plates, warranty costs, insurance premiums, fuel and other extras, arrears or negative equity.
The number of years the policy will run. (Please note policies cannot be renewed)

Choose an insurance type

  • Contact Hire / Lease

    Pays the difference between the motor insurers settlement and the outstanding Finance Balance. Suitable for Lease and Contract Hire Vehicles.

  • Return to Invoice

    Pays the difference between the motor insurers settlement and either the invoice price or the amount outstanding on finance whichever is the highest.

  • Vehicle Replacement

    Pays the difference between the motor insurers settlement and the cost of a replacement vehicle matching the original specification, age, mileage or the amount outstanding on finance whichever is highest.

Contact Hire / Lease

Total Cost: The full amount that you will pay to cover the entire term of your selected policy. This includes the Insurance Premium Tax that is paid to the government and arrangement fee.
£ -1
Cover limit:
£
Policy wording

Policy information

Period of Cover Available 1 - 5 Years
Maximum Claim Limit Unlimited (on vehicles upto 50k)
Maximum Vehicle Purchase Price £75,000
When do I need to buy the policy Anytime
Will it Settle Finance Agreements YES
Is it Transferable to my next vehicle NO
Covers All Factory Fitted Extras  YES
30 day Money Back Guarantee YES
Covers all drivers on your insurance policy YES
Covers theft with use of keys YES
Cover Insurance Excess up to £1,000 YES
Example

Example 1 (PCP & Finance Purchases)

Total Loss after 14 months

Vehicle Cost £20,000
Deposit £1,000
Balance Financed £19,000
Motor Insurance Pays £12,000
Finance Settlement £18,000
Finance GAP Pays £6,000

Example 2 (Contract Hire)

Total Loss after 12 months

Vehicle Cost £500 per month for 36 months
Motor Insurance Pays £18,000
Finance Settlement £24,000
Finance Gap Pays £6,000 Settles the Hire Agreement

The Contract Hire / Finance Shortfall Gap Insurance pays the shortfall (£6,000) between your motor insurance payment and the settlement amount with the finance company to clear your financial obligations in full.

FAQ's
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Return to Invoice

Total Cost: The full amount that you will pay to cover the entire term of your selected policy. This includes the Insurance Premium Tax that is paid to the government and arrangement fee.
£ -1
Cover limit:
£
Policy wording

Policy information

Period of Cover Available 1 - 5 Years
Maximum Claim Limit (Upto 50k) Unlimited
Maximum Vehicle Purchase Price £75,000
When do I need to buy the policy Within 180 days
Will it Settle Finance Agreements YES
Is it Transferable to my next vehicle YES
Covers All Factory fitted extras  YES
30 day Money Back Guarantee YES
Covers All Named Drivers  YES
Covers theft with use of keys YES
Cover Insurance Excess up to £1,000 YES
Example

Example 1 (Cash Purchase)

Vehicle Cost £20,000
Motor Insurer Pays £10,000
RTI GAP Pays £10,000

Example 2 (Finance Purchase)

Vehicle Cost £20,000
Motor Insurer Pays £10,000
Finance Settlement £15,000
RTI GAP Pays £10,000

You receive a total of £20,000 out of which you settle the finance of £15,000 and you retain the balance of £5,000.

NOTE: If your finance settlement exceeds the Vehicle Cost. The GAP policy will settle your obligation in full.

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Vehicle Replacement

Total Cost: The full amount that you will pay to cover the entire term of your selected policy. This includes the Insurance Premium Tax that is paid to the government and arrangement fee.
£ -1
Cover limit:
£
Policy wording

Policy information

Period of Cover Available 1 - 5 Years
Maximum Claim Limit (Upto 50k) Unlimited
Maximum Vehicle Purchase Price £75,000
When do I need to buy the policy Within 90 days
Will it Settle Finance Agreements YES
Is it Transferable to my next vehicle YES
Covers All Factory Fitted Extras  YES
30 day Money Back Guarantee YES
Covers All Named Drivers YES
Covers theft with use of keys YES
Cover Insurance Excess up to £1,000 YES
Example

Example 1 (Cash Purchase)

New Vehicle Total Loss after 24 months

Vehicle Cost £20,000
Motor Insurance Pays £10,000
Cost of a Replacement Vehicle £25,000
GAP Pays the Difference £15,000

Example 2 (Finance Purchase)

New Vehicle Total Loss after 24 months

Vehicle Cost £20,000
Motor Insurance Pays £10,000
Finance Settlement £10,000
Cost of a Replacement Vehicle £25,000
VRI GAP pays £15,000

You get the full amount of money to buy a brand new replacement vehicle.

You receive a total of £25,000 out of which you settle the finance of £10,000 and you retain the balance of £15,000 as a deposit towards buying a brand new vehicle and your finance is settled in full.

FAQ's
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