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Example Shortfall Gap Insurance Policies

Every policy will have terms and conditions and ours is no exception. 

These are important as they will set out eligibility criteria as well as on what basis any claim would be made as well as who is responsible for what and when. With this in mind, we would request that before you buy any policy you familiarise yourself with them.

GAP Insurance policy document links below are for policies purchased between July 2022 and February 2023. 

While we are working towards relaunching with another underwriter, you can not currently purchase a Gap insurance policy using our automated Shortfall System. 

If you would like a quotation, please click to be redirected.

Alternatively, please call 01516477556 or freephone 0800 194 926.

All policies which were purchased during this time remain unaffected, and your policy is live and in place, ready to jump into action should you ever need to make a claim. 


Your Shortfall policy pays the difference between your motor insurance companies settlement and...

Combined Return to Invoice Gap Insurance

1. The higher of either the original invoice price you paid. or 

2. The amount outstanding on finance.

If you have paid cash as there is no finance to settle the full amount is sent back to you. All settlements are made in a cash format. Need help? Please call 0151 647 7556.

Combined Vehicle Replacement Insurance

1. The higher of either the original invoice price you paid. 

2. The amount outstanding on finance.

3. The replacement cost of another vehicle the same as yours was on the first day you drove it home. We also contribute towards your motor insurance company's excess.

Contract and Lease Hire Gap Insurance

The difference between your motor insurance company's settlement and the amount outstanding on your contract hire or lease agreement.

This difference can be made up of lots of different aspects, forward rentals, and differences in market value even a percentage of future rentals. We simply call it a shortfall.

Contract & Lease Hire with Deposit Protection

All the terms and benefits of a standard contract and hire gap insurance, so you can walk away with no further financial responsibility.

In addition, your policy will also reimburse you your initial rental as shown on your invoice up to the maximum of £2000 in a cash format.

Shortfall Additional Cover Policies

Smart Care and Alloy Wheel Insurance

1. Covers the cost of minor scuffs and bumps to the bodywork of your car.

2. Covers the cosmetic repair of alloy wheels.

3. Can contribute towards the cost of a Bodyshop repair.

Even though there is no waiting period we would remind you that we can not cover historical damage to your body work or alloy wheels


Tyre and Alloy Wheel Insurance

1. Covers the cost of punctures and blowouts to your tyres

2. Covers Run Flat, Low Profile, N rated and Standard Wheels

3. Covers the cosmetic repair of your alloy wheels.

Please remember that both the tyre sna alloy wheel section of your policy will have a maximum amount that you can claim.