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Gap Insurance
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Do you need assistance to understand how Gap cover could work for you? Are looking for the best Gap Insurance quote?
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UK Based Claims & Customer Service

UK Based Claims & Customer Service

Underwritten by an

Underwritten by an "A" Rated Insurer

Protected by theFSCS

Protected by the
FSCS

Upto 75% cheaper than competitors

Upto 75% cheaper than competitors

Based on 10,911 Genuine Testimonials

Based on 10,911 Genuine Testimonials

What are Dealer Fitted Accessories and what can I include?

When you buy a vehicle from a dealer, you often purchase 'extras' such as mudflaps, vehicle mats, paint and fabric protection, extended warranties and furry dice! However, can your Gap Insurance cover your dealer fitted accessories, and if so which ones will they cover?

Lets start by asking perhaps an obvious question:

What is a Dealer Fitted Accessory?

When you order a brand new vehicle, you may opt for 'factory fit' options. These are usually options such as leather upholstery or a sunroof, that are above the standard vehicle specification, and can be seen as an option in the manufacturer price list. With GapInsurance123 policies such as Return to Invoice and Vehicle Replacement Insurance, ALL Factory Fitted Options are included for cover.

A Dealer Fitted Option is, as the term suggests, not ordered to be built with the vehicle, but added by your motor dealer when the car arrives with them. Examples of items that are usually dealer fitted items are mudflaps, carpet mats, boot liners, Paint and Fabric Protection and Service Plans.

With GapInsurance123 policies such as Return to Invoice and Vehicle Replacement Insurance. up to £1500 of Dealer Fitted Accessories are included for cover, providing they are shown on the sales invoice for the vehicle.

The GapInsurance123 advantage with Dealer Fitted Accessories

Many Gap Insurance policies on the market will offer protection on dealer fitted options on your purchase, typically allowing for £1000 to £1500 to be covered. However, you may want to check what items may be excluded from this list. Paint and Fabric Protection and non-transferable warranty items are very popular choices for consumers and carry a reasonable price tag too. However, many Gap Insurance policies will not cover the cost of these items, as they are viewed as 'insurance' backed.

However, if your GapInsurance123 policy does cover dealer fitted options, then we will cover the cost of Paint and Fabric Protection and non-transferable warranty items, within the £1500 limit.

This could mean a potential £300-£600 claim payout difference if you opt for another policy who does not cover these items.

That is the GapInsurance123 advantage on your dealer fitted options cover.   
Absolutely amazing. Simple, straightforward and easy to get a quote. I wish I used this provider for my last car, I would have saved over £200.
5 out of 5
Mr Stephen Mackay
Excellent - good choice of cover - great price - clear English and documents sent straight to my email address. I tried 3 quote engines or at least what I thought were quote engines and was told I'd get a call back with the quote -- it never happened. Very pleased.
5 out of 5
Mrs Tracey Collen
After researching various different outlets I chose GAP Insurance 123 as it appears to give the best value for money, just hope I never have to claim on the cover I have taken out.
5 out of 5
Mr Frank Wilson
I was nervous about finding GAP insurance for my self but when the dealer I bought my used car from wanted over £350 for GAP I looked around and got cover from gapinsurance123 for less than half the price. Great website with explanations of what the different types of GAP cover helying you to decide which is the most suitable product for you.
5 out of 5
Mr Nicholas Joel Hancock
Very simple process, terms and conditions clear and easy to understand. Saved 60% of the premium Dealer was offering. Well Recommended
5 out of 5
Mr david shuttleworth
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