We don't charge cancellation fees if you cancel your policy early.

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How Do Our GAP Insurance Policies Compare?

We are repeatedly asked how our policies compare to those available from our competitors and whilst we know our policies (and most of our competitor's policies) inside out, we recognise that it can be a bit of a minefield to the uninitiated.

With this in mind, we're happy to spend the time working through the fine details of the Terms and Conditions of the GAP Insurance policies available from all the main online providers, documenting and comparing them to our own and publishing an at-a-glance comparison of all the policies.

For the purposes of the price comparisons included in the table below, we generated the quotes on August 11th 2014. In the past, previous comparisons were published on June 23rd 2013, July 3rd 2013, August 22nd 2013, December 30th 2013 and again on February 27th 2014.

The most recent quotes were based on the following:

* - Invoice GAP Insurance
* - 3 year cover
* - £15,000 Claim Limit
* - £22,995 Vehicle Value

Compare Our Policies

Below you can compare our policies side-by-side with all the main online GAP Insurance providers. Place your cursor over any field for a more detailed explanation of each. Or read below the table for a thorough breakdown of what each of the comparison points actually means.

  GAPInsurance.co.uk ALA Brilliant Car2Cover Click4Gap.co.uk DirectGap.co.uk EasyGap.co.uk GapInsurance123.co.uk HelpUCover.co.uk Shortfall.co.uk WarrantyDirect.co.uk
Cost of policy £105 £127 £119 £127 £224 £115 £101 £101 £248.40 £101 £174
Cover vehicles purchased for up to £150k We can provide cover for vehicles purchased for up to £150k ALA.co.uk can provide GAP Insurance for vehicles purchased for up to £150k but can only provide a claim limit of £50k £75k
Max
£75k
Max
£50k
Max
£75k
Max
£75k
Max
£75k
Max
£50k
Max
Shortfall.co.uk can provide GAP Insurance for vehicles purchased for up to £150k but can only provide a maximum claim limit of £50k £50k
Max
Provide Claim Limits of up to £100k We can provide Claim Limits of up to £100k depending on the value of the vehicle. £50k
Max
£25k
Max
£50k
Max
£25k
Max
£30k
Max
£25k
Max
£25k
Max
£15k
Max
£50k
Max
£25k
Max
Cover all dealer-fitted accessories Our policies cover all factory & dealer fitted accessories/options whether genuine manufacturer or third party (subject to the overall policy Claim Limit) Only
Genuine
Mfctr
£1.5k
Total
Max
£1.5k
Total
Max
The GAP Insurance policies available from Click4Gap.co.uk will not cover the cost of any dealer-fitted accessories/options. £1.5k
Total
Max
£1.5k
Total
Max
£1.5k
Total
Max
The GAP Insurance policies available from HelpUCover.co.uk will not cover the cost of any dealer-fitted accessories/options. £1.5k
Total
Max
£1.5k
Total
Max
Covers cost of extended warranties & insurance premiums included in car purchase. Our Invoice GAP Insurance policies cover the costs for things such as Road Fund Licence, Extended Warranties, Fuel and Insurance Premiums etc that formed part of your original vehicle invoice price. Acccording to their policy Terms and Conditions ALA.co.uk's Invoice GAP Insurance policies DO NOT cover the costs for things such as Road Fund Licence, Extended Warranties, Fuel and Insurance Premiums etc that formed part of your original vehicle invoice price. Acccording to their policy Terms and Conditions Click4Gap.co.uk's Invoice GAP Insurance policies DO NOT cover the costs for things such as Road Fund Licence, Extended Warranties, Fuel and Insurance Premiums etc that formed part of your original vehicle invoice price. DirectGap.co.uk's Invoice GAP Insurance policy covers the unexpired portion of costs for things such as Road Fund Licence, Extended Warranties, Fuel and Insurance Premiums etc that formed part of your original vehicle invoice price. Acccording to their policy Terms and Conditions HelpUCover.co.uk's Invoice GAP Insurance policies DO NOT cover the costs for things such as Road Fund Licence, Extended Warranties, Fuel and Insurance Premiums etc that formed part of your original vehicle invoice price. Acccording to their policy Terms and Conditions WarrantyDirect's Invoice GAP Insurance policies DO NOT cover the costs for things such as Road Fund Licence, Extended Warranties, Fuel and Insurance Premiums etc that formed part of your original vehicle invoice price.
Has no (Car Insurer's Payout) Market Value Clause. Our policies will not penalise you if your Motor Insurer pays out less than the Market Value of your vehicle (according to Glass' Guide) at the time of loss. ALA.co.uk's policies will not penalise you if your Motor Insurer pays out less than the Market Value of your vehicle (according to Glass' Guide) at the time of loss. BrilliantGap.co.uk's policies will not penalise you if your Motor Insurer pays out less than the Market Value of your vehicle (according to Glass' Guide) at the time of loss. Providing you DO NOT accept your Motor Insurer's settlement offer without seeking their approval beforehand, Car2Cover.co.uk's policies will not penalise you if your Motor Insurer pays out less than the Market Value of your vehicle (according to Glass' Guide) at the time of loss. If your motor insurance policy pays out less than the market value of the vehicle (according to Glass' Guide) at the time of claim, Click4Gap.co.uk's policies WILL NOT cover the amount by which the Motor Insurer's payout is less than that Market Value. Providing you DO NOT accept your Motor Insurer's settlement offer without seeking their approval beforehand, DirectGap.co.uk's policies will not penalise you if your Motor Insurer pays out less than what they deem to be the Market Value of your vehicle at the time of loss. Providing you DO NOT accept your Motor Insurer's settlement offer without seeking their approval beforehand, EasyGap.co.uk's policies will not penalise you if your Motor Insurer pays out less than the Market Value of your vehicle at the time of loss. Providing you DO NOT accept your Motor Insurer's settlement offer without seeking their approval beforehand, GapInsurance123.co.uk's policies will not penalise you if your Motor Insurer pays out less than the Market Value of your vehicle at the time of loss. Providing you DO NOT accept your Motor Insurer's settlement offer without seeking their approval beforehand, HelpUCover.co.uk's policies will not penalise you if your Motor Insurer pays out less than the Market Value of your vehicle at the time of loss. Shortfall.co.uk's policies will not penalise you if your Motor Insurer pays out less than the Market Value of your vehicle (according to Glass' Guide) at the time of loss.
Has no (Car Purchase Price) Market Value Clause. Our policies will not penalise if you if you bought your vehicle for more than what Glass' Guide stated was the Market Value of your vehicle at the time you bought it. ALA.co.uk's policies will not penalise you if you bought your vehicle for more than what Glass' Guide stated was the Market Value of your vehicle at the time you bought it. BrilliantGap.co.uk's policies will not penalise you if you bought your vehicle for more than what Glass' Guide stated was the Market Value of your vehicle at the time you bought it. Car2Cover.co.uk's policies will not penalise you if you bought your vehicle for more than what Glass' Guide stated was the Market Value of your vehicle at the time you bought it. At the time of claim Click4Gap.co.uk will retrospectively revalue your covered vehicle and if they decide that you purchased the vehicle for more than what Glass' Guide stated it was worth at the time you bought it, they will not cover the amount by which they will deem you to have overpaid for the vehicle. DirectGap.co.uk's policies will not penalise you if you bought your vehicle for more than what Glass' Guide stated was the Market Value of your vehicle at the time you bought it. EasyGap.co.uk's policies will not penalise you if you bought your vehicle for more than what Glass' Guide stated was the Market Value of your vehicle at the time you bought it. GapInsurance123.co.uk's policies will not penalise you if you bought your vehicle for more than what Glass' Guide stated was the Market Value of your vehicle at the time you bought it. HelpUCover.co.uk's policies will not penalise you if you bought your vehicle for more than the Market Value of your vehicle at the time you bought it. Shortfall.co.uk's policies will not penalise you if you bought your vehicle for more than what Glass' Guide stated was the Market Value of your vehicle at the time you bought it. WarrantyDirect.co.uk's policies will not penalise you if you bought your vehicle for more than what Glass' Guide stated was the Market Value of your vehicle at the time you bought it.
120-day Claim Notification period We give you up to 120 days from the date of incident to notify us that you wish to claim on your policy. ALA.co.uk also allow you up to 120 days from the date of incident in which to notify them that you wish to claim on their policy. BrilliantGap.co.uk also allow you up to 120 days from the date of incident in which to notify them that you wish to claim on their policy. Car2Cover.co.uk also allow you up to 120 days from the date of incident in which to notify them that you wish to claim on their policy. Click4Gap.co.uk's policy only permits a 30 day Claim Notification Period. DirectGap.co.uk also allow you up to 120 days from the date of incident in which to notify them that you wish to claim on their policy. EasyGap.co.uk also allow you up to 120 days from the date of incident in which to notify them that you wish to claim on their policy. GapInsurance123.co.uk also allow you up to 120 days from the date of incident in which to notify them that you wish to claim on their policy. HelpUCover.co.uk also allow you up to 120 days from the date of incident in which to notify them that you wish to claim on their policy. Shortfall.co.uk also allow you up to 120 days from the date of incident in which to notify them that you wish to claim on their policy. WarrantyDirect.co.uk's policy only permits a 90 day Claim Notification Period.
Free transfer of policy to a new car if you sell your original car during policy term If you replace your vehicle during the policy term, we will allow you to transfer the monetary value of the unused portion of your policy, to a policy on your new vehicle.  No cancellation/administration fee will apply. If you replace your vehicle during the policy term, ALA.co.uk will allow you to transfer the monetary value of the unused portion of your policy, to a policy on your new vehicle.  No cancellation/administration fee will apply. If you replace your vehicle during the policy term, BrilliantGap.co.uk will allow you to transfer the monetary value of the unused portion of your policy, to a policy on your new vehicle.  No cancellation/administration fee will apply. If you replace your vehicle during the policy term, Car2Cover.co.uk will allow you to transfer the monetary value of the unused portion of your policy, to a policy on your new vehicle.  No cancellation/administration fee will apply. If you replace your vehicle during the policy term, Click4Gap.co.uk only allow you to transfer the remaining term of the policy to a new vehicle within the first 90 days of cover. If you replace your vehicle during the policy term, DirectGap.co.uk will allow you to transfer the monetary value of the unused portion of your policy, to a policy on your new vehicle.  No cancellation/administration fee will apply. If you replace your vehicle during the policy term, Easygap.co.uk will allow you to transfer the monetary value of the unused portion of your policy, to a policy on your new vehicle.  No cancellation/administration fee will apply. If you replace your vehicle during the policy term, GapInsurance123.co.uk will allow you to transfer the monetary value of the unused portion of your policy, to a policy on your new vehicle.  No cancellation/administration fee will apply. The HelpUCover.co.uk GAP insurance policy cannot be transferred to a new vehicle if you sell your original vehicle - that said, their policy is a monthly renewable policy anyway so there'd be nothing to transfer anyway. If you replace your vehicle during the policy term, Shortfall.co.uk will allow you to transfer the monetary value of the unused portion of your policy, to a policy on your new vehicle.  No cancellation/administration fee will apply. WarrantyDirect.co.uk will charge you a £50 transfer fee if you change your vehicle and wish to transfer the remaining term of your policy to a new vehicle.
100% refund if you cancel your policy within first 30 days We provide a 30 day cooling-off period, within which if you cancel our policy, we'll give a no quibble 100% refund. ALA.co.uk also provide a 30-day cooling-off period. BrilliantGap.co.uk also provide a 30-day cooling-off period. Car2Cover.co.uk also provide a 30-day cooling-off period. Click4Gap.co.uk only provide a 21-day Cooling Off period. DirectGap.co.uk also provide a 30-day cooling-off period. EasyGap.co.uk also provide a 30-day cooling-off period. DirectGap.co.uk also provide a 30-day cooling-off period. HelpUCover.co.uk also provide a 30-day cooling-off period. Shortfall.co.uk also provide a 30-day cooling-off period. WarrantyDirect.co.uk only provide a 21-day Cooling Off period.
Covers up to £250 of your Motor Insurance Excess In the event of a Total Loss claim, our policies will cover up to £250 of the excess on your Motor Insurance policy. In the event of a Total Loss claim, ALA's policies will cover up to £250 of the excess on your Motor Insurance policy. In the event of a Total Loss claim, BrilliantGap.co.uk's policies will cover up to £250 of the excess on your Motor Insurance policy. In the event of a Total Loss claim, Car2Cover's policies will cover up to £250 of the excess on your Motor Insurance policy. In the event of a Total Loss claim, Click4Gap's policies will NOT cover any of the excess on your Motor Insurance policy. In the event of a Total Loss claim, DirectGap's policies will cover up to £250 of the excess on your Motor Insurance policy. In the event of a Total Loss claim, EasyGap's policies will cover up to £250 of the excess on your Motor Insurance policy. In the event of a Total Loss claim, GapInsurance123's policies will cover up to £250 of the excess on your Motor Insurance policy. In the event of a Total Loss claim, HelpUCover's policies will cover up to £250 of the excess on your Motor Insurance policy. In the event of a Total Loss claim, Shortfall.co.uk's policies will cover up to £250 of the excess on your Motor Insurance policy. In the event of a Total Loss claim, WarrantyDirect's policies will cover up to £500 of the excess on your Motor Insurance policy.
Location of Underwriter Our GAP insurance policies are underwritten by a UK based insurer (Great Lakes). ALA's GAP insurance policies are underwritten by a UK based insurer. BrilliantGap.co.uk's GAP insurance policies are underwritten by an insurer in Gibraltar. Car2Cover's GAP insurance policies are underwritten by an insurer in Gibraltar. Click4Gap's GAP insurance policies are underwritten by an insurer in Gibraltar. DirectGap's GAP insurance policies are underwritten by an insurer in Gibraltar. EasyGap's GAP insurance policies are underwritten by a UK based insurer. GapInsurance123's GAP insurance policies are underwritten by an insurer in Gibraltar. HelpUCover's GAP insurance policies are underwritten by a UK based insurer. Shortfall.co.uk's GAP insurance policies are underwritten by a UK based insurer. WarrantyDirect's GAP insurance policies are underwritten by a UK based insurer.

Meaning?

What do each of the above comparison points actually mean? Well of course, it helps with any comparison if we put everything in to context. Below is an explanation of each of the points above.

Cost Of Policy

As mentioned above, today (August 11th, 2014) for the purposes of comparing prices we generated quotes for Invoice GAP Insurance, based on a 3 year policy duration, a Claim limit of £15,000 and a vehicle value of £22,995. We generated the first round of quotes on June 23rd 2013 (different vehicle value and claim limit), re-verified them on July 3rd 2013, August 22nd 2013, December 30th 2013 and again on February 27th 2014

We think you'll agree that the price of the policy doesn't particularly reflect the quality of the policy. Take Click4Gap.co.uk for example who quoted the second most expensive policy (from this selection of providers) at £224, yet their policy really doesn't stand up well compared to others on the market available for far less.

Covers vehicles purchased for up to £150k

This is quite simple really, there aren't many providers who, like us, can provide GAP Insurance online for vehicles purchased for up to £150k.

Provide Claim Limits of up to £100k

Going hand in hand with the ability to provide GAP Insurance for vehicles that were purchased for up to £150k, it stands to reason that the more expensive the vehicle, the greater the potential depreciation, therefore there's an inherent requirement for a greater/higher Claim Limit.

You see, the average vehicle (and we're not suggesting a vehicle bought for £150k is "average") is expected to depreciate by between 50% and 70% over a three year period, so in theory, a vehicle purchased for £125k would have a potential depreciation range of between £62,500 and £87,500.

However it seems not all GAP insurance providers are as prepared as us to assist you in protecting yourself against such a financial loss, because as you can see above, ALA and Shortfall.co.uk for example also allow their policies to be purchased for vehicles that cost up to £125k but yet still only offer maximum claim limits of £50,000.

We can not only provide GAP insurance for vehicles purchased for up to £150k but also provide Claim Limits of up to £100k too!

Cover all dealer-fitted accessories

In the comparison table above, we're the only provider who's policies will cover the entire cost of any/all accessories/options fitted by the supplying dealer whether they be third party OR genuine manufacturer accessories/options, subject only to the overall policy Claim Limit.

Other companies such as ALA.co.uk will not cover any third party accessories/options whilst BrilliantGap.co.uk, Car2Cover.co.uk, EasyGap.co.uk, GapInsurance123.co.uk, and Shortfall.co.uk will cover both genuine manufacturer and third party, but only up to a maximum of £1,500 worth (but this £1,500 limit needs to also include the costs for other ancilliary costs such as Road Fund Licence, Warranty & Insurance premiums etc - see below). WarrantyDirect and DirectGap limit cover for dealer-fitted accesories to £1,500 but whilst DirectGap provide cover for insurance premiums etc, WarrantyDirect do not.. Click4Gap and HelpUCover don't appear to cover the cost of any dealer fitted accessories/options whatsoever!

Covers cost of extended warranties & insurance premiums included in car purchase.

Including cover for these ancilliary costs that often form part of the purchase price of a vehicle is a relatively new addition for GAP Insurance policies in general because traditionally these type of costs were always excluded from cover.

As the table shows though this is clearly no longer the case with a number of companies now including cover for such costs. However as you can see in the table above, most of those that do include cover for these items apply a maximum cover level of £1,500 which must ALSO cover the cost of any dealer-fitted accessories too.

ALA.co.uk, Click4Gap.co.uk, HelpuCover and WarrantyDirect didn't appear to cover any such ancilliary costs whatsoever!

Please note that cover for these ancillary products/services is usually provided on a pro-rata basis. E.g. at the time of claim the GAP insurance policy will contribute only towards the cost of the unexpired portion of these products/services.

Has no (Car Insurer's Payout) Market Value Clause.

This is arguably the most important comparison point. Failing to comprehend what this actually means and buying a policy that has such a clause within it, could literally mean the difference of hundreds, perhaps even thousands of pounds at the time of claim.

If your car is declared a Total Loss (written off) as a result of accident, fire or theft, your Car Insurance policy will pay you what they believe the car to be worth at the time of claim. They often refer to "Market Value" in so much that they'll pay you the Market Value of the vehicle which should in theory allow you to buy a replacement vehicle of the same age, mileage and condition as the one that was written off. However "Market Value" to a Motor Insurer may differ to what one of the vehicle valuation guides state is the Market Value of the vehicle. In most cases the GAP Insurance provider will expect the payout to be equal to the Market Value of the vehicle according to Glass' Guide (the UK's leading provider of vehicle valuation data).

However there are other guides available (CAP Guide, Parkers Guide and so on) and the chances are that the Car Insurer will take an aggregate view of the average value quoted by a range of guides before offering payout. Therefore if the valuation in one guide is considerably lower than another, that average figure could be dragged down and the result is that your Car Insurance provider may well offer you a figure that is less than the Glass' Guide figure that the GAP Insurance provider is expecting. Aside from the facts and figures published by any guide that the Car Insurance company will use, let's not brush aside the fact that we all know that if a Car Insurer can get away with paying you a low payout, they'll do so, which can aggravate this issue even further!

Now for example look at the terms and conditions of the GAP Insurance policies available from Click4Gap and you'll see that their policies say something along the lines of "...will pay the difference between the Market Value of the vehicle at the time of loss and..." then lookup their own definition of "Market Value" and you'll see that they define the Market Value of the vehicle by reference to Glass' Guide Retail Value (or similar).

To this end, if you have one of these GAP Insurance policies and your Car Insurance provider pays out less than the Market Value as defined by these GAP Insurance policies, none of these policies will cover you for the amount by which the Car Insurance provider pays out less than the Market Value they (the GAP Insurance providers) were expecting. Depending on the value of the vehicle involved and the different guide (or combination of guides) being used by the Car Insurance provider, this could literally mean that the GAP Insurance pay out to you, falls hundreds, perhaps even thousands of pounds short.

We first started writing this comparison report back in June 2013 and we're pleased to see that since then, gradually more and more of the online GAP insurance providers have removed the Market Value clauses from their policies. As of right now, only Click4Gap remain.

That said, there are still some differences between those policies that are marketed as not having "Market Value" clauses. We say that if your Motor Insurer pays out too little (even if you've accepted their offer without checking with us first), we'll pursue them for reimbursement but that it won't affect our payout to you. Others however take a slightly different approach, saying that if you accept an offer from your Motor Insurer that is less than the Market Value of your vehicle at the time, they'll not cover the amount by which they will deem your Motor Insurer to have underpaid.

We believe our policies genuinely have no Market Value clauses and are transparent in that respect. It's a pity that the same can't be said of other policies that are marketed as having no Market Value clause though and consequently we intend to add this particular point to our next comparison report.

Has no (Car Purchase Price) Market Value Clause.

The right to retrospectively revalue your vehicle at the time you originally purchased it was a common condition of most GAP Insurance policies really not that long ago. It meant that the GAP Insurance Claim Administrator could look back at what you bought your car for, compare it to what say, Glass' Guide said your vehicle was worth back then and if they found that you'd bought the vehicle for more than what Glass' Guide had said your vehicle was worth at that time, they'd refuse to cover (as part of any GAP Insurance claim) the amount by which you were deemed to have overpaid for your car.

We're pleased to find that the industry in general has moved to do away with this very unfair condition that left many policyholders exposed to a deduction in their payout that they'd almost certainly have no clue about until it was far too late. However it's worth pointing out that Click4Gap still retain this right within their policies and, combined with them also retaining the right to not cover any amount by which the Car Insurance policy pays out below the Market Value of the vehicle at the time of claim, there could easily be a substantial deduction from any payout under one of their policies.

120-day Claim Notification period

Imagine... your car has been involved in an incident, you may well have been injured in the process. You've got to deal with the fallout from the incident, notifying your insurer, being without your car and so on. It's going to be a pretty hectic and possibly one of the most stressful times and 30 days will fly by in the blink of an eye... will you remember to inform the GAP Insurance company?

This is also something that's improved throughout the online providers since we began publishing this report and as you can see, most of the online providers now offer a 120 day period from the incident within which you can notify them of a claim on the policy. Click4Gap only allow you 30 days whilst Warranty Direct sit somewhere in between by allowing you up to 90 days.

This is easily a case of "more" being absolutely "better".

Free transfer of policy to a new car if you sell your original car during policy term

With our policies, if you replace your originally covered vehicle within the policy term, we'll cancel the policy, calculate a monthly pro-rata rebate and allow you to transfer that rebate forward in full against the cost of a new policy on your new vehicle - no cancellation fee will apply.

Car2Cover, DirectGap, EasyGap, GapInsurance123 and Shortfall.co.uk appear to permit much the same, Click4Gap don't appear to permit any such transfer more than 90 days after buying the policy whilst Warranty Direct weigh in heavily charging an astounding £50 fee to transfer a policy!

Technically, HelpUCover.co.uk also don't permit the transfer of a policy to a new vehicle, however as their policy is a monthly renewable policy, this isn't really relevant to them .

100% refund if you cancel your policy within first 30 days

You've bought your car, fended off the salesperson's GAP Insurance advances because they were absurdly expensive compared to those prices you found online for better cover. Well done! But then not wanting to spend a great deal of time sat infront of a computer trying to work out which is the best GAP Insurance policy to go for - afterall you could be enjoying your shiny new motor instead - you think you've worked out the best policy and go for it.

Some time later, you finally get chance to analyse the policy in detail and it turns out that it's not quite as good as you first thought it was. You realise that you could have got a better policy from elsewhere so now wish to cancel your existing policy.

Can you do so?

Well, not if more than 21 days has passed since you bought it from Click4Gap or WarrantyDirect.

If after buying a policy from us, you decide that it's not for you, simply let us know within the first 30 days. We'll cancel it and give you every penny of your money back. ALA, Car2Cover, EasyGap, DirectGap, GapInsurance123, HelpUCover.co.uk and Shortfall.co.uk all appear to offer the same 30-day cooling off period.

Covers up to £250 of your Motor Insurance Excess

Of the policies we have compared, almost all of them will contribute up to £250 towards the cost of any excess that you might have to pay under your Motor Insurance policy in the event of Total Loss claim.

Click4Gap are the exception to the rule by not contributing anything towards your Motor Insurance excess. Whilst WarrantyDirect go a little further and actually cover up to £500 of your Motor Insurance excess.

Location of Underwriter

In reality this isn't as much of a big deal as many others would have you believe, but we know it's something that our customers ask us about regularly through a desire to stick with a UK based insurer. We've therefore included the locations of the underwriters in this table, but it's for general information purposes only and we're not suggesting that there's any particularly detrimental effect of having a policy underwritten by an insurer in Gibraltar compared to one in the UK.

Can You Afford To Buy GAP Insurance Elsewhere?

It's a question you really need to ask yourself.

We're pretty proud of the GAP Insurance policies we've created through a close working relationship with our policy underwriter and very confident that we offer the best Invoice and Replacement GAP Insurance policies in the UK. The comparison table above goes some way to proving this too!

So go ahead and ask yourself, can you afford to buy GAP Insurance elsewhere?

What your Car Insurance won't cover.