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Your Query:

What Does Our GAP Insurance Offer?

Our GAP Insurance provides the following cover in the event that Your Vehicle is declared a Total Loss during the Period of Insurance:

1. For Vehicles purchased from Motor Dealers and where the start date of this Policy is within 90 days of taking ownership of the Vehicle this insurance will pay the difference between the Insured Value of Your Vehicle and the Net Invoice Selling Price You originally paid for the Vehicle. This is known as Return To Invoice (RTI) GAP Insurance.

2. For Vehicles purchased privately or from Motor Dealers where the start date of this Policy is 90 days after taking ownership of the Vehicle this insurance will pay the difference between the Insured Value of Your Vehicle and the Agreed Value of Your Vehicle on the start date of this Policy. This is known as Agreed Value GAP Insurance.

The value You have declared for Your Vehicle is shown on Your Schedule and in no circumstances can this exceed the Net Invoice Selling Price or the Agreed Value of Your Vehicle whichever is the greater. The maximum amount Insurers will pay is restricted to the Claim Limit also stated on Your Schedule.

Should the Net Invoice Selling Price of the Vehicle exceed the Glass's Guide retail value, the Insurer reserves the right to adjust the claimed amount to reflect the actual Market Value of the Vehicle at the time of purchase. Any adjustment applicable will be deducted from the payment made under Your Policy.

You must prior to the acceptance of any claim under the GAP Insurance, demonstrate to the satisfaction of the Insurer that You have used Your best endeavours to obtain the maximum settlement under Your Motor Insurance Policy. If You accept an offer of settlement from Your Motor Insurer of less than the current Market Value of the Vehicle then the Insurer reserves the right to calculate the loss at the current Market Value of the Vehicle according to Glass's Guide or a similar publication at the time of loss.

Please Note:

The difference between Return To Invoice (RTI) GAP Insurance and Agreed Value GAP Insurance is based on the following:

For further explanation please see our What Does Our GAP Insurance Offer? page.

Is GAP Insurance Worth It?

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

**Source: Association of Police Officer's Vehicle Crime Intelligence Service (April 2012)

***Source: PARKERS (April 2012)


* 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.

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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, register.fca.org.uk or by contacting the FCA on 0845 606 1234.