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So What is GAP Insurance and Is It Right For You? If You're Buying a Car On Finance, It Is Definitely Worth Considering Before You Purchase Your New Car.
Dec 12, 2014
Would your car insurance cover you in full if your vehicle was written off or stolen?
Even if you think you have high quality cover, in the event of a claim your car insurance policy will generally pay out the current market of your vehicle not the amount you paid for it. If you’ve bought your car using finance, this could mean that you could be left out of pocket if you are involved in an accident.
To protect yourself, you can take out Guaranteed Asset Protection (GAP) insurance. But what is GAP insurance? What does it do? And why should you have it? Keep reading to find out everything you need to know.
If your car is stolen or written off, your insurer will settle your claim based on the current market value of your vehicle. This is often based on the trade price of the vehicle rather than the full retail price.
A GAP insurance policy is designed to pay the difference between this sum and the replacement cost of your vehicle or the outstanding finance, whichever is higher.
GAP insurance is important because, when you buy a new car, the vehicle will start to depreciate in value. GAP insurance protects you against the financial risk of being left out of pocket when your insurance payment is only based on the current value of your car, not the purchase price.
If you were involved in an accident and your car was written-off, your insurance claim would be settled based on the value of the vehicle at that time, not the new price. In this situation your outstanding finance on the car may be higher than your insurance payout.
In this scenario, GAP insurance would help you by covering this shortfall.
insurance is a good idea if:
The Daily Telegraph advises that “without gap insurance you could end up having to keep paying the finance company for a car you can no longer use. So gap insurance does make sense.”
If you don’t want to be left out of pocket in the event of an insurance claim then it is a good idea to consider this cover. GAP insurance exists because of the fact that your new car may depreciate in value to the point where your car’s value is less than the remaining finance you have to pay were you to have an accident. If you don’t think you can pay any shortfall in the event of a car insurance claim then you should seriously consider this cover.
One of the best places to buy GAP insurance is from your new car dealer. These franchised dealers offer extremely good rates on GAP insurance and you can take ownership of your new car with the peace of mind that you’re protected. GAP insurance policies can be cancelled at any time so you’re not tied to the agreement. In the unlikely event that you wish to cancel the policy, you can do so at any time. If the policy is cancelled within the first 30 days a full refund is available, following this a pro-rata refund is available subject to an administration fee. Please ask your local dealer if GAP insurance is suitable for you. Please refer to the full terms and conditions of the policy and make sure the product suits your needs. Exclusions may apply.
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Sandicliffe Ltd. Registered in England and Wales No with company registration number
Registered office: 155-185 Derby Road, Loughborough, England, LE11 5HN. To improve
calls may be
recorded for training and monitoring purposes.
Sandicliffe Limited is an Appointed Representative of Automotive Compliance Ltd,
and regulated by the Financial Conduct Authority (FCA No 497010). Automotive
permissions as a Principal Firm allows Sandicliffe Limited to act as a credit
broker, not as a
lender, for the introduction to a limited number of finance providers and to act as
an agent on
behalf of the insurer for insurance distribution activities only.
‘Used Car Disclaimer’
Some of our vehicles have been sourced from Manufacturer buy back schemes or selected
Fleets. As a
result whilst we can confirm the number of registered keepers we cannot confirm how many
vehicle has had. We can confirm that the vehicle has passed a comprehensive AA Approved
out by a manufacturer approved technician and has a full HPI Provenance check meaning we
guarantee its lifetime history.
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Sales where applicable) for motor vehicles.
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