Top-Up GAP insurance

Tops up your Motor Insurance payout by up to 25%

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Please complete the details below to get a GAP insurance quotation:

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What is Top-Up GAP insurance?

Top-Up GAP insurance is an annually renewable GAP insurance policy which, in the event of your vehicle being declared a Total Loss (written off) through accident, fire, theft, or flood, will aim to pay you up to an additional 25% of what your motor insurer paid out.

Am I Eligible For Top-Up GAP insurance?

You can buy Top-Up GAP insurance to cover a New or Used car that:

  • Is covered by a comprehensive motor insurance policy.
  • You are the owner or registered keeper of, or you are the person or company named as the lessee of under a Contract/Lease Hire Agreement.
  • Is less than eight (8) years old at the start date of this policy.
  • Has not been declared a Total Loss before the start date of this policy.
  • Is registered in the UK.
  • Is worth no more than £80,000 at the start date of the policy.
  • Is not a commercial vehicle.
  • Is not being used for rallying, racing, any competitive events or for emergency use or hire (including private hire, taxis and chauffer) or for driving school tuition.
  • Is not already covered by a GAP insurance policy.
  • Was bought: cash outright, personal loan (secured or not), financed by way of a HP, PCP, Conditional Finance Agreement or is the subject of a Contract/Lease Hire Agreement.
  • Is not a specifically excluded vehicle.
  • Is not a van, car derived van, motorcycle, motorhome or campervan.

So long as you:

  • Are a permanent resident in the UK or a UK registered company.

You can NOT buy Top-Up GAP insurance for a vehicle that:

  • Is not covered by a comprehensive motor insurance policy.
  • You are not the owner or registered keeper of, or you are not the person or company named as the lessee of under a Contract/Lease Hire Agreement.
  • Is more than eight (8) years old at the start date of this policy.
  • Has been declared a Total Loss before the start date of this policy.
  • Is not registered in the UK.
  • Is worth more than £80,000 at the start date of the policy.
  • Is a commercial vehicle.
  • Is used for rallying, racing, any competitive events or for emergency use or hire (including private hire, taxis and chauffer) or for driving school tuition.
  • Is already covered by a GAP Insurance policy.
  • Is a van, car derived van, motorcycle, motorhome or campervan.
  • Is a specifically excluded vehicle.

How does Top-Up GAP Insurance work?

In the event of your vehicle being declared a Total Loss (aka "written off") as a result of an accident, fire, theft or flood, your comprehensive Motor Insurance policy would normally only pay out the market value of the vehicle at the time of loss. Top-Up GAP insurance will aim to pay you up to an additional 25% of what your motor insurance policy pays out.

Examples:

  • Your car is written off and your motor insurance policy pays out £20,000 less a £250 excess = £19,750. Top-Up GAP insurance pays you £5,187.50 (25% of £19,750 = £4,937.50 + £250 excess cover = £5,187.50)
  • Your car is written off and your motor insurance policy pays out £40,000 less a £500 excess = £39,500. Top-Up GAP insurance pays you £10,000 (25% of £39,500 = £9,875.00 + £250 excess cover = £10,125. Payout limited to max' £10,000)

Key Features of Top-Up GAP Insurance

  • Pays you up to an additional 25% of your motor insurance payout in the event that your car is declared a Total Loss
  • Available for a car up to 8 years old, regardless as to how long ago you purchased it.
  • Ability to cancel the policy at any time and receive a daily pro-rata refund of unused premium (a cancellation fee may apply).
  • CASH payout to you rather than to a nominated dealer, leaving you free to choose the provider of your replacement vehicle.
  • Available for cars worth up to £80,000.
  • Underwritten by DTW 1991 Underwriting Limited on behalf of Syndicate DTW1991 at Lloyd's - an A-Rated, UK-based insurer.
  • Pays up to £250 towards the excess on your Comprehensive Motor Insurance policy.
  • FREE transfer of any unused premium towards the cost of a new policy on a replacement vehicle.
  • Annually renewable policy.
  • FREE policy amendments.