Audi A5 Sportback
35 TFSI Sport S Tronic STOCK
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GAP Insurance

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Established 20 years

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Gap insurance

Accidents Happen – Be Insured and Be Assured

From as little as £99 ONE OFF PAYMENT

What if, your car is declared a write-off due to an accident, fire or theft? 
Now imagine discovering that your insurance company pay-out will not match the outstanding finance amount (i.e. the settlement figure). Insurance typically pays the vehicle's actual cash value rather than the amount remaining on your loan or lease, which could leave a financial 'GAP' of thousands of pounds.

This is a scenario faced by many motorists today. Even if you are not liable, you are almost certain to find a shortfall between the amount you receive from your motor insurance provider and the outstanding finance. And this shortfall could be a significant sum depending on the rate of depreciation of the vehicle.

Who will protect you against this financial loss?
For peace of mind and for the protection of your vehicle needs, consider the cover GAP can offer.

 Significant benefits
• Designed to provide financial protection if you have taken out a finance
  agreement to fund the lease of your car

• GAP policy will pay the difference between the amount paid out by the motor
  insurance provider and any outstanding finance on their car

• Meets the ABI code of practice

• Transferable

• Cancellable

How GAP works?
Let’s say you paid £18,500 for your car and your car is unfortunately involved in an accident and your motor insurance providers declare it a total loss. Using current market conditions the motor insurance provider values your car at the time of the accident as £12,000. However, you still owe the Finance Company £15,000. The GAP insurance may pay out the £3,000 difference - it’s as simple as that!

What is the claims process?
1. To make a claim, call within 30 days of a total loss. We’ll advise you what needs to be done to get your claim settled as quickly as possible.

2. We will send a claims pack to you and once complete you can return it by post or email, whichever you find most convenient. The sooner we get your information, the sooner we will process your claim.

3. Once we have your completed claims pack, you should allow 7 working days for all information to be reviewed and the vehicle to be valued.

4. The completed claims pack is sent to our underwriters for approval and once approved, settlement will be sent in writing to you.

5. Once we have received your acceptance for the settlement amount, payment will be with you in 10 working days.

How long will the claims process take?
14-21 working days on receipt of a fully completed claims pack.

Do you deal directly with my insurance company?
As it’s your contract of insurance, you will have to handle negotiations with them. We support you in this by fully advising you of the correct valuation of your vehicle and ensuring you get a fair deal. If you give us your consent, we’re more than happy to fully explain valuations to you insurer.

What should I do when my insurance company make me an offer?
DO NOT accept it. Vehicles can be undervalued and it’s important you allow us to fully value the vehicle on your behalf. We value all vehicles using Glass’s Guide retail (known in the trade as the ‘industry bible’) which is a stable reference tool to price used cars.

Can you accept copied documents or does it need to be originals?
All documents can be copies.

My car has been in an accident but the other party’s insurance is paying. Can I still claim?
Yes. The third party will have to provide the write off proof, all of the other details will be the same.

Can I transfer my policy?
The policy only applies to you and is not transferable to any other person or business. However, it may be transferred to another vehicle as long as the vehicle you replace it with comes within the price range specified in your schedule, subject to the terms and conditions of your policy and on payment of the administration fee.

Can I cancel my policy?
We’re confident that you’ll want to continue these policy benefits for the entire term of the agreement. However, we understand that circumstances may change, therefore, providing a claim has not been made, it is possible to transfer the policy to a replacement vehicle or cancel your insurance at any point. You may be entitled to a pro-rata refund on the remainder of the policy calculated monthly for each full month left to run subject to the terms and conditions.

Jeep Wrangler
2.0 GME Sahara Auto MY2018 2dr STOCK - PCH ONLY
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£199.99 per month
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Audi A5 Sportback
35 TFSI Sport S Tronic STOCK
Initial Payment £1,772.99
Business Deal
£196.99 per month
Personal deal £236.39 per month
View deal of the week
GAP Insurance
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