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Your Query:


1. Who are the insurers of

The Policy is arranged by (a trading name of First Call Payment Protection Ltd.) with UK General Insurance Limited on behalf of Ageas Insurance Limited, Registered in England No. 354568. Registered Office: Ageas House, Tollgate, Eastleigh, Hampshire, SO53 3YA.

First Call Payment Protection Ltd. UK General Insurance Limited and Ageas Insurance Limited are authorised and regulated by the Financial Services Authority. This can be checked on the FSA’s Website at or by contacting them on 0845 606 1234. This Policy is administered by First Call Payment Protection Ltd.

2. What is GAP Insurance?

GAP Insurance is designed to protect you against financial loss (vehicle depreciation) in conjunction with your comprehensive motor insurance (road risks) policy if your vehicle is written off (Total Loss).

3. Do I have to purchase GAP Insurance from the dealer where I bought my car?

GAP Insurance can be bought from our website at any time and will probably be much cheaper than the price for the same cover provided by the dealer where you bought your car. GAP Insurance is an optional product.

4. What is "Total Loss" in relation to GAP Insurance?

Total Loss means where an Insured person has claimed under their fully comprehensive Motor Insurance Policy and the claim has been settled, by the insurer with the Vehicle being surrendered to the Insurer of Your Motor Insurance Policy and a Total Loss payment made to the insured.

5. What is the maximum will pay out?

The amount paid out is dependent on the level of cover purchased and stated on the policy schedule. You can choose a claim limit from £5,000 up to £25,000 dependent on the value of your vehicle.

6. How long will GAP Insurance last?

Cover is available for up to three years from the policy start date.

7. How does GAP Insurance work? GAP Insurance explained via an example:

Vehicle Cost or Value at time of purchase* £7,500; Insurance Total Loss payment £3,600; GAP Insurance Payment of £3,900
Vehicle Cost or Value at time of purchase* £13,400; Insurance Total Loss payment £7,200; GAP Insurance Payment of £6,200
Vehicle Cost or Value at time of purchase* on £25,995; Insurance Total Loss payment £14,300; GAP Insurance Payment of £11,695

Your motor insurer pays you the current value of your car, pays any depreciation/loss in value from the time you purchased your vehicle**.

*As per reference to Glass’s Guide (

**Policy limits apply, see T&Cs

8. How long after the purchase of my vehicle can GAP Insurance be purchased?

You can purchase a policy at any time providing the vehicle is less than 10 years old at the time you buy the policy and you hold a valid comprehensive motor insurance policy for the vehicle.

9. Does it make a difference if my vehicle was purchased cash or finance?

Absolutely not. The GAP Insurance will pay the difference between the value of your vehicle when you buy the policy and what the Total Loss payout made to you by your motor insurer during the term of the GAP Policy. GAP Insurance is suitable for both cash or finance customers.

Any negative Equity on/from your Car Finance is not covered.

10. Is GAP Insurance only available for new cars or can used cars be covered too? GAP Insurance is available for cars that are up to 10 years old (0-10 years) at the start date of the policy.

11. Do I have to pay a premium each year for my GAP Insurance?

No. The premium quoted is the total cost (including Insurance Premium Tax [IPT]) for the entire term you have selected. There are no extras, no hidden charges or annual renewals.

Please note all premiums are single, one off payments.

12. Can I buy GAP Insurance if my car has been imported into the UK?

If your car is listed in the Glass’s Guide ( it can be covered. However, all American, Australian and Canadian vehicles are excluded unless they are built for the UK market. See Policy Wording for all exclusions.

13. How do I make a GAP Insurance claim / what is the claims procedure?

In the event of a possible claim under this policy please contact the administrators at: GAP Claims First Call Group Loxley House 21 Coker Road Worle Weston-Super-Mare BS22 6BX Telephone:0333 2004866 Email: You will be sent a claim form giving instructions on what you need to do. Please note, that at your own expense you will need to: 1. Supply all information and assistance, which the Insurer may reasonably require in establishing the amount of any payment under this insurance. 2. Notify the police of any loss or damage by theft within 24 hours or as soon as reasonably possible. 3. Provide written notice of the facts on which the claim is based to the Administrators within 30 days of the date of loss.

14. Why are premiums so much lower than the GAP Insurance provided by motor dealers?

Simple, at we have over 30 years experience in providing insurance solutions to our clients. Our website and online sales process allows us to keep our administration costs down and pass on premium savings to you.

15. Is GAP Insurance worth it?

No one can predict what the future holds and unfortunately accidents will happen. Did you know:

A car is stolen every 6 minutes*

The UK has the second largest number of vehicles reported as stolen in Europe* The average depreciation of a one year old car with 10,000 miles is almost a third** *Source: Association of Police Officer’s Vehicle Crime Intelligence Service (March, 2012) **Source: PARKERS (March, 2012)

16. Are taxis eligible for GAP Insurance?

Unfortunately we are not able to cover vehicles used for hire or reward, driving tuition or taxis.

17. Does cover commercial vehicles?

Yes, commercial vehicles under 3500kg can be covered but vehicles used for hire or reward, driving tuition, taxis, or used solely for delivery or courier purposes are excluded.

18. Is my vehicle covered if I'm driving in Europe?

Yes, the vehicle is covered in the European Union for a maximum of 30 days in any 12 months of cover, providing the cover provided by your Motor Insurance policy is an equivalent level of cover as you would have enjoyed in the UK.

19. What age of vehicles are covered by

Vehicles must be less than 10 years old at the start date of the policy.

20. What does GAP (Insurance) stand for?

Guaranteed Asset Protection (Insurance).

21. Are dealer fitted accessories covered?

Yes. Dealer fitted accessories up to £1,500 are included.

22. Who administers GAP Insurance policies?

First Call Payment Protection Ltd. act as the scheme administrators including policy issue, collection of premium payments and claims matters where we act on behalf of the insurers in negotiating and settling claims.

23. Who are First Call Group?

First Call Group is a trading name of First Call Payment Protection Ltd, registered in England and Wales, company number: 07064423. The company is authorised and regulated by the Financial Conduct Authority (FCA).

24. Who does the vehicle have to be insured with to qualify for GAP Insurance?

The vehicle can be insured with any company who provides motor insurance , however the policy must provide comprehensive motor insurance cover which must be kept in place or replaced by a similar comprehensive motor insurance for the duration of the GAP Insurance policy.

25. Does GAP Insurance cover my Road Fund Licence?

No. The Road Fund Licence is not included within the value of the vehicle.

26. Are any vehicles excluded from GAP Insurance?

Any vehicle which has been Used for:

a. racing, pace making, speed testing, reliability trials or any off-road use

b. the carriage of goods for hire or reward

c. the carriage of passengers for hire or reward (e.g. taxis /private hire / minicabs)

d. a short-term self-drive car

e. driving tuition.

Vehicles not listed in Glass’s Guide, kit cars, invalid carriages, Vehicles used solely for delivery or courier purposes and commercial Vehicles of more than 3500kg gross weight. Manufactured by Aston Martin, Bentley, Ferrari, Lotus, Lamborghini, Maserati, Rolls Royce, TVR, modified from the manufacturer’s specification (unless agreed by the Motor Insurer), all American, Australian and Canadian Vehicles (unless built for the UK market) or being driven by any person not holding a licence to drive the Vehicle.

*See policy wording for full details and T&Cs.

27. Is my vehicle covered if it was written off whilst being driven by someone else?

Yes, as long as the comprehensive motor insurance policy for the vehicle also covers the person driving and a Total Loss claim is paid to the insured.

28. If I sell my vehicle can I transfer the GAP Insurance to the new owner?

Sorry no. GAP Insurance only covers the person(s) who bought the policy whilst they own the vehicle or until the expiry of the policy. However, we are able to arrange cover for the new owner if required providing the vehicle is still under 10 years old.

29. Is my motor insurance excess covered?

No. The Motor Insurance Excess is not covered.

30. Must I be the Policyholder for the comprehensive motor insurance policy?

No, you do not need to be the policyholder, however you must be fully covered as a named driver on the schedule of the comprehensive motor insurance policy that insures the vehicle and a Total Loss claim is paid to the insured.

31. How can I pay for my GAP Insurance policy?

You may pay via our secure online merchant service.

32. How do I calculate my vehicle's purchase price?

The vehicle purchase price is the amount you paid plus any dealer fitted accessories up to £1,500 minus any discount you received.

Please note: DO NOT include road tax and warranties. Any queries please contact us.

33. Can I cancel my policy?

Yes you can - whilst we hope you are happy with the cover your selected policy provides, you have the right to cancel it within 14-days of receiving the policy and receive a full refund, without giving any reasons. You must contact us within this period either by email or telephone.

After 14 Days, you may cancel the policy at any time however the refund amount is calculated on a pro-rata basis less an arrangement charge of £45.00.

* Calls to 0333 numbers are charged at the same rate as dialling a local or national number. If your fixed line or mobile service has inclusive minutes to local or national (01/02) numbers, then calls to 0333 are counted as part of this inclusive call volume.

© 2019 First Call Group. All rights Reserved.

First Call Group operates a number of websites and is a trading name of First Call Payment Protection Limited. Registered in England and Wales Company No 07064423. Authorised and regulated by the Financial Conduct Authority. Reference No 541645. You may check this on the Financial Services' register by visiting the FCA website, or by contacting the FCA on 0845 606 1234.