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Does my Gap insurance policy cover me outside the UK?
If you can a Gap Insurance 123 policy you will be pleased to know that you are covered even when you are outside the UK.
In your policy documents you will see under Section 10- Definistions a section called Geographical Limits.
This is a explanation of where you will be covered. Taken from Gap Inusrance 123 policy Terms and Conditions Septemeber 2021
It states that the Geographical Limits are the area in which this insurance is effective, This being Great Briatin, Northern Ireland, The Channel Islands and the Isle of Man. Cover also applies to member countries of the European Economic Community and any other country for which an International Motor Inusrance Cerfificate is effective on your vehicle, at the point of the claim, up to 30 days in any one trip.
Do what does this mean for you?
Just like in the UK we rely on your own insurance company to deem that what ever happened for your vehicle to be declared a total loss is not fraudulent or negligent. We also rely on your own motor insurance company covering you to drive outside the UK.
But on the understanding that they do and that you have a legitimate claim your settlement would be calculated just the same as it was if the incident occurred in the UK. So the fact that your where outside the Uk when the incident happened would have no impact on your ability to make a claim. You can also make multiple trips as the cover while limiting the time in any one trip does not limit the number of trips.
Please remember that just as in the UK all drivers must be named on your own motor insurance and that they must have a full Uk License and be over the age of 21.
So can you drive outside the UK, yes for a limited period of time and terms and conditions apply so please read your policy documents.
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Easy straight forward and good value.
Really easy to understand, good value, simple to set up
Very impressed with the help I received over the phone from **** explained my options very clearly and guided me through the process of applying for cover. I've used GapInsurance123 before and am very happy to do so again!
Nice and easy
Amazing & easy
Always easy to do business with and staff are very helpful and efficient
Thank you Jackie for your help. Highly appreciated for great service...!
Quick simple process, appreciate note about 12 month vehicle replacement may be covered on my insurance already, it was.
I called to clarify a couple of things before purchasing and spoke to a lady called Jackie, very pleasant and extremely helpful. I wouldn't hesitate to recommend GAP 123.
Great service, very friendly call handler
easy site to used very pleased with price
VERY EASY TO USE AND COMPLETE. EXCELLANT PRICE HIGHLY RECOMMEND.
Very quick an easy, but the only slight disappointment is that is no where to get your existing customer discount on the web site. You have to phone for that and if you need the cover to start at the weekend you miss out. Shame.
good
Really easy to understand and follow.
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