Breakdown Cover


Designed to run alongside your Motor Insurance.

GAP Insurance runs alongside motor insurance and is designed to financially protect you in the event of the total loss of your vehicle due to Fire, Accident or Theft. 

Most fully comprehensive motor insurance policies only offer a ‘new vehicle replacement’ during the first 12 months of ownership of a brand new vehicle. If your vehicle is written off or stolen after this period, the insurance payout is likely to be for the current Market Value. 

GAP Insurance runs alongside motor insurance and is designed to financially protect you in the event of the total loss of your vehicle due to Fire, Accident or Theft. 

This can give you the peace of mind that you won’t be “out of pocket” after spending your hard earned cash on a new vehicle (Purchase Price Protection GAP) or that you will receive enough money to pay off any outstanding finance agreement or loan, (Finance/Lease Gap).

For example:
1. New car costs £10,000
2. After 2 years an accident results in a total loss and the insurer pays out £6000.
3. A Gap policy pays out the £4000 difference or the amount required to pay off your finance agreement.

Policies are available with benefits between £5,000 & £25,000 depending on the value of the vehicle and can run from 1 to 5 years depending on the type of cover chosen. Terms & Restrictions do apply, including maximum vehicle age and length of time since purchase so please contact us for more details.

This insurance can also be taken on a Top-Up basis which is similar to above but simply adds 25% on top of the total loss valuation provided by your motor insurer.

Top-Up cover can also be taken on fleets of over 5 vehicles, whether they are cars, vans or trucks up to 44 tonnes as long as they are less than 10 years old at inception of the cover.
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