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Gap Insurance

Gap Insurance is a supplementary insurance that protects you financially when your vehicle is written off. Please remember that if your vehicle is written off, your own motor insurance company is only ever legally obliged to offer you the value of your vehicle on the day it was written off. With the average vehicle predicted to depreciate by up to 50% within the first three years alone, this means that the amount that you are offered in settlement can and often is, thousands and thousands of pounds less than the original amount that you paid.


Here are some of the benefits of choosing Shortfall Gap Insurance ...

Benefits of Gap Insurance with Shortfall

Please Note: The features listed above are based on Combined Return to Invoice & Combined Vehicle Replacement forms of Gap Insurance. These features are different when purchasing a policy for a Motorbike.


Without any form of Gap Insurance you are left having to deal with the cost of the loss alone. You may have to use savings, take on extra financial commitments or worse still, you will be left paying for a vehicle that you no longer have. Shortfall Insurance or Gap Insurance as it is often called, can protect you against this loss. It cannot stop your vehicle from being stolen and it cannot stop you from being in an accident, however, it can make sure that should it ever happen, then at least all of the financial aspects and worries are taken care of. 


Gap Insurance Quotation

Excess Insurance


Having an excess to pay on your motor insurance policy is mostly taken for granted these days. However, this means that when you have to make a claim, your motor insurer will ask you to either pay the excess for a repair or deduct it from any claim they settle with you.


These excess amounts can be anything from a few hundred to thousands of pounds. Depending upon your vehicle and your driving history simply raising your voluntary excess by a couple of hundred pounds can make a massive difference to the premium you are charged. This is because should you ever need to make a claim your own insurance company know that you will be liabile for the first £750 or even £1000 pounds. This reduces the risk for them and therefore, reduces your motor insurance.


This sounds fine in an ideal world, but what happens when you need to make a claim? 


Shortfall Excess Insurance can provide you with protection against these high excess charges on your motor insurance. If you are charged an excess in a claim by your motor insurer then you may simply claim it back from your Shortfall Motor Excess policy.

Excess Insurance Key Features

There are various levels of excess you can cover, starting from £250 right up to £1500. With annual prices starting from just £29.50, protecting the excess on your motor insurance policy can be done at very little cost to you. Click for a quote on Shortfall Motor Excess Insurance today!


Excess Insurance Quotation

Tyre Insurance


It is only to be expected that certain parts of your car are going to wear down and as a consequence they will eventually have to be replaced.


Tyres are naturally one of the main items that you would expect to have to pay for in time. You may have heard the term "serviceable items". This simply means that they will wear out over time. However, if your tyres suffer accidental or malicious damage then this can mean a hefty and unexpected bill much sooner than you planned!


That is unless you have a Shortfall Tyre Insurance Policy of course! Our tyre Insurance protection will provide financial protection should you have to repair or replace your tyres due to an accident or malicious damage. If you hit a pothole or run over a nail, then the cost of repair or replacement can be covered for you.


Below is a feature comparison on how compare to other market leading providers ...

Tyre Insurance Key Features Comparison


We must highlight that there is a 30 day claims waiting period, which has been put in place to combat fraudulent claims. Shortfall Tyre Insurance can be purchased for 1, 2 or 3 years and can provide up to a £300 claim for a replacement tyre, even run-flat tyres!


With prices starting at just £165 find out how cost effective protection with Shortfall Tyre Insurance can be. Get a quote today! 

If you are interested in any of the other products shown in the comparison, please call on 0800 195 4926/0151 647 7556 and we can run through a quotation with you.

Alloy Wheel Insurance


Alloy Wheel Insurance is a policy which will pay to repair your alloy wheel if it is damaged.


Alloy wheels not only change the look of your vehicle but they can also affect the value of it and no driver, no matter how careful, is exempt from kerbing their wheel from time to time. After all, accidents happen and that is exactly why we all protect ourselves and our pockets with general insurance products.


With some Alloy Wheels costing hundreds of pounds if your wheel is damaged, you can be left with the choice of having to spend you own hard earned cash to have it repaired or simply learning to live with the affect the alloy wheel has on the aesthetics of your vehicle. 


Alloy Wheel Insurance can help as it will pay up to £150 to have your alloy wheel repaired. You can make up to 3 claims in a 12 month period. Please remember that your cover will not stop simply because you have made a claim and will continue until either you have made the maximum number of claims, or your policy expires (the expiry date).

Alloy Wheel Insurance Key Features


Just like any insurance our Alloy Wheel Insurance policy will have terms and conditions, so it is important that you understand how your policy works and what it will and will not cover before you buy.


With 2 Year Alloy Wheel Insurance from as little as £99.00 for a years cover why not click or call for an instant quote.

Alloy Wheel Insurance Quote

Scratch and Dent Insurance


There can be nothing more frustrating than noticing small scratches/dents or scuffs that appear on your vehicle and no matter how fantastic a driver you may be, no-one is exempt from trolley dings. They may be small, but you know they are there!


With Shortfall Scratch and Dent Insurance you can cover the cost of repairs to this type of damage for up to 3 years.


Types of damage covered include:

Paint Chips | Dents to your bodywork | Scratches to the bodywork | Paint Scuffs


Scratch & Dent Policy Features


The work will be carried out by an Approved Repairer who will provide you with a 5 year Guarantee for the repair.

For more details on Scratch and Dent Insurance Click for a Quote for 1, 2 or 3 year cover.

How to get a Shortfall Insurance Quote


It couldn't be easier to get a Shortfall insurance quotation. Simply click the Get a Quote button on the page that you would like a quotation for.


Or if you prefer, click the green button at the top right of your screen. This will take you to a page where you will be able to select the type of policy you would like a quotation for. Either way, our system will ask you some questions about you and your vehicle and eliminate various levels of cover and display policies for you to consider.


You can also use our help centre at any time for help and guidance on how to register a policy and even what different terms and definitions mean.


Alternatively you can call a member of the team on 0800 195 4926 where they will be able to explain your options and discuss how various levels of cover could work for you.


Being part of Aequitas Automotive Limited we promise that we will never use jargon and only ever use plain English.


We will take as much or as little time as you want to explain your options as we feel that it is important that you have all the information so that you can make real and informed choices based on fact.


We will always be fair and up front. Our main concern will and always will be your policy, what happens when you make a claim and how your policy performs. We believe that to be over insured is almost as bad as being under insured and will always give our "frank" and honest opinions and recommendations.


We will always treat you with respect. You are a valued customer, policy holder or website visitor and your opinion counts. Please remember that any bonuses or financial incentives any member of the team are paid are never based on rates of sales. Instead any incentives are always based on rates of customer service which we believe to be the only real and true barometer for any ethical company.


Why not click or call for an instant quote and see just how easy and inexpensive Shortfall Insurance can be.

Spread the cost of your policy


If your policy premium is above £150 then you will have the ability to spread the cost over 12 monthly instalments online. No deposit required.


If your policy is between £100 and £150 give one of our friendly customer service team members a call on 0800 195 4926 and they will take you through the manual pay monthly process. The only difference is we take a deposit of £25 and then spread the remaining balance over 12 months. 


If you have chosen to purchase a number of policies via our bundle options, we can confirm that you will also have the option of spreading the cost of your total premium price over the course of 12 months. Here is how it works.


For Example, you have purchased the bundle option below. The total bundle price is £169.41 which would then take the place of the total premium price in the case of the example above.


The 10% charge for credit in this case would be £16.94 which will then be added on to the total bundle price. You now have a total cost of £186.35. Simply divide the total cost by 12 which will give you your monthly instalment of £15.52 in this case.