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 and Vans
  • Covers All Factory Fitted Optional Extras
  • Covers loss of vehicle through theft of keys
  • Covers all drivers on your insurance policy

FAQ's

  • 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 fee, cost of fuel and negative equity from a previous vehicle.

  • Who is the insurer of this policy?

    The insurer, AmTrust International Underwriters, is a major insurer in the UK and Europe and is authorised by the Financial Conduct Authority, authorisation number 169384. This can be checked at register.fca.org.uk

    The Insurer is covered by the FSCS. 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.