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GapInsurance123

With over thirty years experience and by working closely with our suppliers we have tailor made bespoke feature rich Gap policies with you in mind. Why not look at our bespoke features?


All of our GapInsurance123  Policies come with these bespoke features as standard.

Even though some policies may look similar they will have different terms and conditions. When you buy Gap protection from  GapInsurance123 you can be sure that you are not only paying marketing prices but also benefiting from our tailor made, hand picked  feature rich policies only available from GapInsurance123

  • A cast iron commitment to settle your claim within 14 days of your own motor insurance company.
  • Up to 5 year cover available - for vehicles up to £75,000 invoice price, and up to £25,000 claim limits available
  • Transferable - you can transfer cover to another vehicle within your chosen period of cover.
  • Return to Invoice Gap & Vehicle Replacement Insurance that you can defer the start date for a maximum of 12 months
    • to start at the end of your own motor insurance "new for old cover"  
  • If your own motor insurance do replace the vehicle under their own terms, we will transfer the remainder of your cover to your replacement vehicle Free of Charge.
  • No Restrictions or Limits on Purchase Price 
    • Whatever price you pay, we will cover, even if this is in excess of the Glass' Guide Retail 
  • £250 towards your own motor insurance excess - If the vehicle is written off, there is no excess on our policy to be deducted, in fact we cover the first £250 of your own vehicle insurance excess!
  • Gap cover for Cars, LCV's, Motorhome's, Motorbike's, Private Hire Taxi's and Hackney Cab's.
  • Covers Non Transferable warranties
  • Covers All Factory Fitted Options
  • Cover for up to £1,500 of dealer fitted accessories
  • Covers paint & upholstery protection, insurance premiums 
  • Covers theft with keys, a popular cause of 'total loss' claims in the UK
  • Covers all named drivers - even those on Provisional License
  • Transfers to next of kin in the event of death
  • Modified vehicle can be covered.

You will also be pleased to know that all of our policies are available to cars, vans, motor homes, driving schools and taxis as well as private hire drivers. 

So why not get a quotation and see how easy protecting your vehicle with GapInsurance123 can be. You can click for a quote in seconds or why not call us on 0800 195 4926 where a member of the team will be only to happy to help. It has never been easier to buy Gap cover!

Finance / Contract Hire Gap Insurance?

Finance / Contract hire Gap is a very easy level of cover to understand. It pays the difference between your vehicles valuation on the day it is written off and the outstanding finance leaving you with no liability to your old vehicle.


You can click or call 0800 195 4926 for an instant no obligation finance Gap quotation. 

Our fully trained and qualified team will ask you about you and your vehicle and what you are going to use it for. Together we can build you quote.

Finance / Contract Hire Gap pays the difference between your vehicles valuation and your outstanding finance/ outstanding rentals leaving you with no liability to your old vehicle.

Remember that not all finance and contract hire gap policies are the same and we work really hard to be able to offer what we consider the most comprehensive and feature rich cover available in the UK today.

Our Finance Gap and contract hire Gap policies unlike many others also allow you to ..

  • Cover cars, vans , motorhomes and motorbikes at no additional cost.
  • Cover all non transferable warranties and Paint Protection.
  • Cover paint protection
  • Pay the first £250 towards your own motor insurance excess
  • You can cancel the policy with a full refund within 30 days, and a pro rata refund of unused premium at any other point.

Remember, if you are looking for simple to understand guaranteed asset protection, we are only ever a click or a call away so why not get a quotation and see how easy it is to buy gap cover from GapInsurance123 can be.

Combined Return to Invoice Gap

Combined Return to Invoice Gap protection pays the difference between your vehicles valuation on the day it is written off and either the amount outstanding on finance or the invoice price which ever is the highest.

 

RTI - Return to Invoice Gap pays the difference between your vehicles valuation and either the amount outstanding on finance or the invoice price you paid which ever is the higher. For Example....

  • You buy a vehicle and spend £20,000.
  • Two years later it is written off and valued at £12500.
  • You still have £14500 outstanding on finance.
Combined Return to Invoice Gap would first send a payment to your finance company to for £2000 to clear the finance. Your policy would then send you a payment for the difference between the £14500 and the £20,000 you paid.

You do not have you old vehicle but your finance is clear and you now have £5500 to use in what ever way you want. After all its your money and your choice and at GapInsurance123 all payments are made to you and not a dealership, thus giving you control over how your money is spent.

Remember that not all return to invoice gap insurance policies are the same and we work hard on your behalf to ensure that we only offer what we consider to be real market leading feature rich policies. Our bespoke policies have been designed with you in mind and include many additional features as free of charge....

  • Our policies can cover cars, vans, motor homes and motorbikes at no additional costs.
  • Our policies do not limit your purchase price to a percentage of any guide. The price you paid is the price you can protect.
  • Our polices are fully transferable ( small admin fee applies)
  • Our policies pay you the first £250 towards your own motor insurance excess
  • Our polices can be deferred again at no additional cost.
  • Aequitas Automotive where the first company to announce 5 year Return to Invoice Gap available on the internet.

The list goes on but I am sure you get the idea, so why not click or call 0800 195 4926 where a fully trained member of the team can explain your options and provide a free no obligation quotation.

Vehicle Replacement Insurance

Pays the difference between your vehicles valuation and either the outstanding finance or the amount you would need to spend to buy another vehicle the same age, mileage and specification as yours was on the day you bought it.

Combined Vehicle Replacement Insurance - VRI is now one of the most popular forms of UK Gap protection.

Vehicle Replacement pays the difference between your vehicles valuation on the day it was written and either the amount outstanding on finance or the amount you would need to spend to buy another vehicle the same age, mileage, specification as yours was on the day you originally bought it . For example
  • You buy a vehicle and pay 20,000
  • Two years later your vehicle is written off and valued at £12500
  • You still have outstanding finance of £14500.
Your Combined Vehicle Replacement Insurance policy would first send payment to your finance company for the £2000 therefore settling your finance. To but the same vehicle the same age and mileage as yours was on the day you bought it now costs £22,000. Therefore gap insurance would then pay the difference between the £14,500 and the increased cost of £22,000 to you within 14 days.

You do not have your old vehicle but your finance is now clear and you have £7500 to use in what ever way you want. After all its your money and we think it should be your choice how your spend it.

Please Remember that not all Combined Vehicle Replacement policies are the same and that every policy will have terms and conditions. We work really hard on your behalf to ensure that our policies are bespoke hand made policies where designed with you in mind, with many features as standard and free of charge optional extras.
  • Our policies can cover cars, vans, motor homes and motorbikes at no additional costs.
  • Our policies do not limit your purchase price to a percentage of any guide. The price you paid is the price you can protect.
  • Our polices are fully transferable ( small admin fee applies)
  • Our policies pay you the first £250 towards your own motor insurance excess
  • Our polices can be deferred again at no additional cost.
  • Aequitas Automotive where the first company to announce 5 year return to invoice gap insurance available on the internet.
There are many many more features again as standard so why not click or call 0800 195 4926 to openly discuss your gap protection options.

You can pay using Visa Credit, Visa Debit Visa Electron, Mastercard or PayPal
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