In the event of a claim please contact the Claims Administrator and have Your Certificate of Insurance and vehicle registration number to hand.
By telephone: 0161 451 4808
By e-mail: email@example.com
IMPORTANT: You must contact the Claims Administrator prior to accepting any Motor Insurance Settlement.
The Claims Administrator will then inform you of the documentation they require in order to process your claim.
Please note that information the Administrator may reasonably require must be received within ninety (90) days of the Date of Loss of the Insured Vehicle. If it isn’t, the Administrator will attempt to assess Your claim however it may be difficult for them to investigate and settle Your claim adequately.
The policy holder should be in the name of the registered keeper and/or owner of the vehicle, and the name listen on the V5 document.
If the vehicle has been purchased on finance by another party for someone else, the policy will still need to be in the name of the registered keeper and/or owner of the vehicle. Additional drivers covered on the main motor insurance policy will be covered by standard under your GAP policy.
We obtain all vehicle data from Glass’ Guide, however sometimes the exact model cannot be located. If this is the case, please select the closest model to your new vehicle, and once the policy is purchased contact our customer service department via email at firstname.lastname@example.org with the correct details.
We will then email through the supporting documents with your correct details.
This is the price you paid for the car after discount but before any deposit or part exchange allowances. Any manufacturer’s extras should also be included in this price (dealer fitted options are not included).
Unfortunately, we do not offer the ability to renew your policy, we offer our policies for lengths between 24 and 60 months. If you have recently purchased a new vehicle and require new cover, please generate a quote here
No, we currently don't offer cover for leased vehicles.
GAP insurance stands for Guaranteed Asset Protection Insurance. GAP insurance bridges the gap between the price you paid for your vehicle at the outset compared with the amount you receive from your insurer as a claims settlement.
In the event of a write off or theft, your motor insurer will only reimburse you the current market value of the vehicle - not what you paid for it. As a result, you could find yourself in one of the following predicaments as a result of vehicle depreciation:
InsuretheGap offer a wide range of GAP insurance policies to cover a range of purchase agreements:
This cover will pay the difference between the current market value of the vehicle and the net invoice price of the insured vehicle.
Pays the difference between the current market value of the vehicle and the net balance payable to the finance company at the time of the loss
Pays the greater of the difference between...
The current market value of the vehicle and the net invoice price of the insured vehicleor
The difference between the current market value and the net balance.
Helps to protect you against the risk that the car you want to replace is now more expensive to buy than it was when you made your original purchase.
InsuretheGap offer a range of products that cover cars, vans and motorbikes and cover vehicles up to the market value of £150,000.
Please view policy wording and Key Facts documents for full details on all exclusions
Please review the policy wording for full details on all exclusions.
Yes. If you suffer a total loss and claim on your InsuretheGap policy it will cover up to £250 in excess charges as standard, whether voluntary or compulsory when you purchase your policy.
Yes. All named drivers included on your Motor Insurance Policy are covered under your GAP insurance policy.
On average our claims are settled within 14 days.
Yes, whilst we have made every effort to keep our charges to a minimum, if you ask us to make changes to your policy in the future you may incur some additional charges.
If you ask us to make a change to your certificate of insurance due to a change of personal details you will incur a £10 administration fee.
If you cancel your policy after 30 days from the start of your policy, you will be entitled to a pro rata refund minus a £35 administration fee.
Please consult the website terms and conditions and your policy documents for more information.
To change your details, please contact our customer service department at email@example.com for assistance with your changes.
If your need to make a change to your policy, please contact our customer service team on firstname.lastname@example.org
All our policies require the premium to be paid in full in order for cover to be in place.
You have a cooling off period of 30 days from the date you purchase the insurance, provided you are not intending to submit a claim, or have already submitted a claim. You will be entitled to a full refund within the 30 day cooling off period.
Anyone wishing to cancel after the cooling off period will be entitled to a pro-rata refund of the premium, minus a £35 administration fee.
The maximum vehicle value we cover under our policies is £150,000.
The upper sum insured limit on an InsuretheGap policy £50,000. The sum insured varies by policy type, and based on the value of the vehicle that is being purchased. Please get a quote to see the level of cover that applies to your product choice and vehicle.
InsuretheGap policies are underwritten by Fortegra Europe Insurance Company Ltd (Malta Company Registration Number C 84703), Office 13, SOHO Office The Strand, Fawwara Building, Triq I-Imsida, Gzira, GZR 1401, Malta. Fortegra Europe Insurance Company Ltd is authorized under the Insurance Business Act 1998 of the laws of Malta to carry out general business, and is regulated by the Malta Financial Services Authority, Triq l-Imdina, Zone 1, Central Business District, Birkirkara, CBD 1010, Malta. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority under reference number 805770, and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permission Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.
InsuretheGap policies can cover a minimum term of 24 to 60 months depending on your requirements and the type of policy selected. Simply select the length of cover you require from the drop down when generating a quote to see how the length of cover affects the policy price.