In the event of your vehicle being declared a total loss, this insurance will pay the difference between the motor insurers settlement and 100% of the Glasses Guide Retail Price on the day you purchased the policy.

Cover will include up to a maximum of £250 motor insurance excess.

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.

The Claim Limit is the difference between the motor insurers settlement at the point of total loss and 105% of Glass's Guide retail value of the vehicle when you purchased the policy.

You need to select a suitable claim limit to ensure adequate cover for the term and price of your vehicle.

You receive a total of £20,000 which represents the retail value of the vehicle when you purchased the policy.

The purchase price is the net purchase price that you have paid for the vehicle or the current valuation of the vehicle whichever is the lower.

Ifr you require a vehicle valuation, please call  a member of the team and they will be pleased to offer this service free of charge.

Policy documents together with confirmation of payment are sent by email as soon as you make the payment.

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.

It can either be a single one off payment with the use of a credit/debit card without any card charges or alternatively we can arrange for credit payments over 12 months. Please note that the payments are collected by a third party agency and a small administration fee applies.

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

Yes; up to £250 in the event of a total loss claim.

Yes; it can; You can make one transfer during the period of insurance.

if you sell your vehicle, provided that no claim has been made under this insurance, you may transfer the remaining cover to the replacement vehicle, subject to our agreement. No fee will apply for this transfer. A new schedule will be issued confirming the replacement vehicle details. Where the replacement vehicle is deemed to be of a higher value an additional premium may be required.

Cover will not include any refinancing.

In the event of bereavement, the remaining benefits of this Insurance may be transferred to the policyholder's spouse or partner.

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.

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.

We are an internet based provider and as such we have lower overheads than motor dealers.

As a result of the high volume of GAP insurance that we sell annually, we are able to provide quality policies at the keenest prices.

You can be confident that our prices are lower than those quoted by dealers and many other web sites.

Paying less than you have been quoted elsewhere in no way means that you are buying an inferior product, it just means that they are making more profit from your purchase!

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.

You are covered not only in England, Wales, Northern Ireland, Scotland, Isle of Man and the Channel Islands but also in member countries of the European Community and any other country for which an International Motor Insurance Certificate (Green Card) is effective on your vehicle at the point of Total Loss up to 120 days in any one trip.

It can either be a single, one-off payment with the use of a credit/debit card without any card charges, or alternatively we can arrange for credit payments over 12 months. Please note that the payments are collected by a third-party agency and a small administration fee applies.

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.

https://www.gov.uk/visit-europe-1-january-2021

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