Complimentary Free Gap Insurance

The Direct Gap Complimentary Drive Away gap insurance is complimentary cover which lasts 14 days from the Policy Start Date.

In the event of the vehicle being declared a Total Loss, this insurance will pay the difference between the Purchase Price and the Motor Insurers Settlement at the point of Total Loss.

The maximum payment for the Direct Gap Complimentary 14 Day Drive Away GAP policy is restricted to a maximum of £5,000.

Complimentary Free Gap Insurance
  • Free 14 Day Drive Away Gap Cover
  • Returns you Back to the Vehicle Invoice Price
  • Covers New and Used Cars
  • Covers All Factory Fitted Optional Extras
  • Covers loss of vehicle through theft of keys
  • Covers all drivers on your insurance policy


What cover does Free 14 day drive away GAP provide?

This insurance is a complimentary cover which will last for 14 days from the Policy Start Date.

In the event of the vehicle being declared a total loss, this insurance will pay the difference between the Purchase Price and the Motor Insurers Settlement at the point of Total Loss.

What is the vehicle purchase price that I should use to calculate the cost of the policy?

The purchase price is the actual invoice price that you pay for the vehicle, deduct any discounts but do include all factory fitted accessories.

You should exclude any additional payments for warranty charges, insurance premiums, finance charges, road fund licence, cost of fuel and negative equity from a previous vehicle.

Who is the insurer of this policy?

The insurer, Acasta European Insurance Company Limited,  (registered no. 96218), which is authorised and regulated by the Gibraltar Financial Services Commission and subject to regulation by the Financial Conduct Authority and Prudential Regulation Authority for the conduct of UK business.

The Insurer is covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if the Insurer cannot complete their obligations. This depends on the type of business and the circumstances of the claim. For claims against insurers 90% of the claim is covered with no upper limit.

What is the claim limit?

The Claim Limit is the difference between the motor insurance settlement at the point of total loss and the original purchase price paid. We will pay up to £5,000 on this complimentary product.

What is total loss?

Only your insurer can declare the vehicle a total loss which in general can result from accidental damage, your fault or third party fault, fire, theft or vandalism.

Total loss means that you have claimed under your motor insurance, your claim has been agreed, your vehicle has been forfeited (title of the vehicle transferred to the motor insurer) and a payment made following the incident.

Whose name should the policy be in?

The policy should always be in the name of the owner/ hirer or registered keeper of the vehicle.

Am I covered for theft of vehicle with keys?

Yes; you are covered when keys are stolen from your home or office which results in vehicle theft. However you must exercise due diligence and take appropriate steps to safeguard both the keys and the vehicle.

No insurer, including your motor insurer, will provide cover for wilful negligence. For example if you leave the keys in the vehicle and you go off to pay for fuel which results in the vehicle being stolen.

Why would this policy not pay out?

Please see the policy terms and conditions for a full listing, however the main exclusions are:
The vehicle becoming a total loss whilst the driver is under the influence of non prescription drugs or under the influence of alcohol, involved in illegal activity, fraud or an act of wilful negligence, eg leaving keys in the ignition whilst the vehicle is unattended.

Can anyone drive my vehicle and still be covered by GAP?

Yes; GAP insurance will include all drivers provided that they are covered on your comprehensive motor insurance policy to drive the vehicle as a named driver.

What types of purchase is this policy suitable for?

Cash purchase, Hire purchase or PCP. It will NOT cover ANY aspect of finance settlement and is not suitable for Contract Hire.

Will Brexit affect my Gap Insurance Policy?

Brexit takes place on 31 January, and the UK will no longer be member of the European Union. Many arrangements will stay in place for a transition period whilst a deal between the UK and the EU is negotiated.

The current advice from the UK government is that during the transition period (until 1 January 2021) arrangements for driving in EU countries remains unchanged.

At the end of the transition period you will need to get yourself an International Driving Permit and a green card to ensure your insurance is valid. You will also need a GB sticker for your car.

Note that Brexit does not affect gap insurance. Your gap insurance policy will still be valid if you drive in Europe - however you do need to be covered by a fully comprehensive cover for the policy to be valid in the first place and this will require a green card from your insurer.

Where do I get an International Driving Permit?

International Driving Permits can be obtained from the Post Office. You will need a passport photo and your driving licence. Currently different EU member states require different length permits for non-EU drivers - for instance Spain requires a one year permit and Germany a three year. If you are touring the EU you should get both to be on the safe side. 

How much do International Driving Permits cost?

The International Driving Permit costs £5.50 pre document (you may need two if you are driving between countries with different requirements).

How do I get a green card?

You will need to call your insurer before you set off, let them know the exact dates that you require it for. And (naturally) they will charge you. 

Whilst the government advice is to allow a month to receive the green card, our advice from our insurer is that you don’t actually need the bit of paper to travel, they’ll have a note of it if anything unfortunate happens. It is currently not clear whether you will need to carry your green card for examination by the authorities