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GAP Insurance

Mind that GAP! 

Did you know that every one and a half minutes, a car gets stolen? (Source – Car Theft Index 2003.) Then there are all those cars that get written-off following a road traffic incident.

If either occurrence has happened to you, the chances are that your insurance company would have offered you a total loss payment based on the market value of your car at the time. Their offer could have fallen short of either the cash price of the vehicle or the outstanding balance of your finance agreement, factors that could have placed you in a sticky financial position.

GAP insurance is designed to ensure that such a situation is not as troublesome. If your car is stolen or written-off, GAP protects your investment by covering the difference between the amount the insurers pay you and either the outstanding balance of your finance agreement or the cash purchase price paid, in other words, the dreaded 'gap'.

There are two types of GAP insurance that can cover you, should your car be written-off, through accidental damage, fire or theft:

GAP Insurance (Shortfall Protection)
This covers the difference between the amount paid by your insurance company and the balance of the outstanding finance agreement, up to a maximum of £10,000.

GAP Insurance Plus (Return to Invoice)
This covers the difference between the amount paid by your insurance company and the cash purchase price paid for your vehicle, up to a maximum of £15,000. This payment will help you replace your car with a new one of the same or similar specification.

Both these payments are in addition to your insurance claim and are available, whether your car be new or used.

For more details, please contact a member of our sales team, as they understand the various implications and the legal issues.

GAP Insurance provided by Škoda Finance. Underwritten and administered by Pinnacle Insurance plc. Škoda Finance is a trading name of Volkswagen Financial Services (UK) Limited, Brunswick Court, Yeomans Drive, Blakelands, Milton Keynes, MK14 5LR. Registered in England number 2835230. Volkswagen Financial Services (UK) Limited and Pinnacle Insurance plc are authorised and regulated by the Financial Services Authority.