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Motor Gap Insurance

Motor GAP Insurance

We`ll find the right cover for you

  • Cover from just over £7 a month

  • With just a few of your details we’ll have you covered in no time

  • You’ll be covered outside the UK for a maximum of 90 days in 12 months of cover

  • Choose your cover to suit what you need: Finance and Contract Hire or Combined GAP

Motor GAP Insurance

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Motor GAP insurance covers you when your insurance provider can’t. With UK Sure Guaranteed Asset Protection (GAP), your vehicle’s worth remains intact even if it’s written off or declared a total loss. Our motor GAP insurance covers the shortfall between your insurance provider’s payout and either the cost of your car upon purchase, or your outstanding finance settlement.

 

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What you need to know

What are you covered for?

Our policy covers your vehicle being written off or declared a total loss as a result of: 

  • Fire 

  • Theft 

  • Damage sustained as a result of an accident

  • Malicious damage 

  • Flooding 

The event must occur after the start date and before the end date of your policy. 

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What aren't you covered for?

Our policy doesn’t cover: 

  • Theft when your vehicle was left unoccupied (nobody is inside it) and unlocked, with the windows or roof open or with the keys inside 

  • Where the loss is caused when the vehicle is driven, with your consent, by someone who does not hold a valid driving licence or is in breach of the conditions of that driving licence 

  • Vehicles used for emergency or military purposes, taxi, courier or delivery vehicles, invalid carriers or driving instruction vehicles 

  • Any vehicle that does not adhere to UK specifications or is classed as a grey import, kit car, bus, coach, commercial vehicle weighing more than 3.5 tonnes, truck, heavy goods vehicle or static caravan 

  • Vehicles used for road racing, rallying, pace-making, speed testing or any other competitive event

  • If your vehicle is stolen by a person who has access to the keys 

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Suitable for

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  • Vehicles purchased less than 180 days prior to the policy start date and less than 8 years in age.

  • Vehicles with fewer than 80,000 miles on the clock at the start of the policy.

  • Adults over 18 who live in the UK.

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Not suitable for

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  • Vehicle types listed on the vehicle exclusion list

  • Modified vehicles (other than in accordance with the manufacturer’s specification)

  • Vehicles with a value exceeding £150,000

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Why choose a UK Sure Motor GAP Insurance Policy? 

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At UK Sure, we’re committed to providing affordable, straightforward insurance policies that are easy to take out (you can buy our policies online in minutes).
 

There’s nothing worse than having your car written off or declared a total loss and your insurance provider payout not covering the full value of the car. And, with more and more cars on the road, accidental damage and accidents are increasingly common.  

Taking out Motor GAP insurance not only improves your peace of mind when it comes to your vehicle, but it also prevents unnecessary financial loss. So, if your insurance provider won’t pay out the full vehicle value, we can.  

 

 

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Policy Documents

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This insurance is arranged by Stubben Edge who is also the policy administrator and is underwritten by Novus Underwriting Limited on behalf of Millennium Insurance Limited.

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Motor GAP Insurance FAQs

What is Motor GAP Insurance

Motor GAP insurance covers the financial gap between the amount your insurance provider pays out if your car is written off or declared a total loss and the amount you paid for it, or the early settlement amount on a finance agreement.  

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What's the difference between combined RTI GAP insurance and finance and contract hire gap insurance?

Finance and Contract Hire GAP covers the shortfall between your insurance provider’s payout and your outstanding finance settlement when you purchased your vehicle under a finance agreement.

Combined Return to Invoice (RTI) GAP covers the shortfall between your insurance provider’s payout and the invoice price you paid for your vehicle upon purchase, or it covers the shortfall between your insurance provider’s payout and your outstanding finance settlement if that settlement amount is greater than the original invoice price.

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How can Motor GAP Insurance protect me?

Insurance companies rarely pay out the full value of a vehicle or the full outstanding payments on a car loan when it’s declared a total loss. This means, without GAP insurance, you could end up paying finance instalments on a car you no longer have. Or, you might receive far less money than the vehicle’s worth at purchase, leaving you out of pocket when buying a new vehicle.   

Motor GAP insurance protects you against getting a much lower current market value back for your vehicle. 

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Are there any restrictions on cover?

The benefit will not be paid if:  

  • Damage is caused when the vehicle is driven, with your consent, by someone who does not hold a valid driving licence or is in breach of the conditions of that driving licence 

  • The incident occurred while the person in charge of the vehicle is convicted of driving under the influence of drink or drugs 

  • The vehicle is against medical advice 

  • Damage results from an intentional act from you 

The insurance also does not cover any liability for death, bodily injury, damage to any person or any other losses/expenses arising from the event.   

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What is the maximum claims limit?

The maximum amount we will pay is restricted to the claim limit shown in your policy schedule. Cover will include up to a maximum of £250 of your vehicle insurance policy excess.

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Am I covered when driving outside the UK?

Yes, you are covered for a maximum of 90 days in any 12-month policy when driving outside of the UK, Channel Islands or Isle of Man. 

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What are my obligations?

When taking out Motor Gap Insurance, you are obligated to disclose all important/relevant information. You must also take reasonable care to provide accurate answers to questions when you take out or change your policy.  

You also have a duty of fair presentation of the risk to us before the policy starts or when you make any amendments to your policy. 

Full details of what constitutes “fair presentation” and the consequences of breaching this duty are given in the Policy Document.  

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When does my cover start and end?

Your cover starts on the policy start date shown on your Policy Schedule and continues for a period of 12, 24, 36, or 48 months depending on policy terms and the length of cover selected. 

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How can I cancel my contract?

You can cancel your policy within 30 days of the start date or, if later, within 30 days of the date you receive the Policy Document. We will refund any premium you have paid if you have not made a claim and do not intend to make a claim.

You can also cancel your policy at any other time and receive a pro-rata refund of your premium based on the number of whole months of the original insurance period remaining, subject to an administration fee charged by the administrator of £34.99.

If you cancel your policy with less than 6 months remaining, there will be no return of premium.

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If i make a claim on UK Sure Motor GAP Insurance, do I have to declare this to me motor Insurance company and will it mean I need to lose my no-claims bonus when my motor insurance renews?

You need to check with your standard motor insurance to find out their policy. You can read the full policy document with detailed coverage and exclusion information. 

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