Gap Frequently Asked Questions

What is a “Total Loss”?

When an insured person has claimed under their comprehensive and/or fire and theft motor insurance policy and the claim has been settled, with the vehicle forfeited and a total loss payment made

Is there a naximum amount we will pay?

Customers can select a claim limit to suit the cost of their vehicle. Claims limits from £5,000 to £25,000 are available.

Can it be transferred if I sell the car?

Unfortunately not, the insurance only covers the person or company who paid for the insurance whilst the car is under their ownership.

What is the claims procedure?

Simply contact the claims office, supply any information which may be needed to establish the amount of any payment under this insurance and notify the police as soon as reasonably possible.

How long will the cover last?

For Finance Gap from 12 months to 60 months in line with the finance agreement. For VRI cover is available for up to three years and for RTI up to four years (depending on the premium paid). All products terminate if you sell or transfer ownership of the vehicle but will cease earlier upon either any of the following events; a paid claim or the reposession of the insured vehicle if subject to a credit agreement.