Insurance Premium Tax (IPT) is almost like the equivalent of VAT for insurance products.

If you buy Gap Insurance or any supplementary insurance directly from the organisation or business that you are buying your vehicle from (if they can change they amount that you are paying for your vehicle) they are legally bound to charge you insurance premium tax at 20%. If you buy independently you are only charged 10%, but this is due to increase as of 01/04/2017.

Dealerships or any business that you are buying your vehicle from who can change the amount that you are paying for your vehicle, can subsequently effect the amount of VAT that the Government are paid are legally bound to charge 20 % IPT.

No, your Shortfall Gap Insurance policy will not cover the cost of your Paint protection.

Yes your Gap Insurance policy will cover the cost of all factory fitted options and up to £1500 worth of dealer fitted accessories.

Yes and no is the simple answer, the reason being that however your vehicle is written off, theft with keys or without the exact circumstances do not matter as long as your own motor insurance company are happy to settle then we are too.

Yes your policy covers all named drivers no matter their age, length of driving or claims history. In fact however your vehicle is written off, if you are driving or a named driver, if it is your fault or some-one else's the exact circumstances do not matter as long as your own motor insurance company are happy to settle then we are too.

If you need to make a claim, if there is any finance outstanding this will always be paid first and the balance of funds paid to you. Our specialty is insurance and we are not experts at sourcing vehicles. We also think that unlike other gap insurance suppliers it is important that after being through such a traumatic event as having your vehicle written off that it should be you who decides where, when and most importantly on what your money is spent.

No we do not charge any excess for making a gap insurance claim. Instead we pay you £750 towards the cost of your own motor insurance excess.

Your Gap Insurance policy is underwritten by Mapfre Asistencia. Policies purchased before the 01/11/2016 will be underwritten by UK General on Behalf of Ageas.

Yes you can transfer your policy to another eligible vehicle completely free of charge. Please note that if there is a change in value of your vehicle then you may be asked to pay an additional premium to allow for an increase in cover.

Yes you can cancel you gap insurance at any time. If you cancel within the first 30 days and have not attempted to make a claim then we will issue a full refund. After this time you can cancel but instead of a full refund you would be paid a pro rata refund less a nominal administration fee charged by the under writer.

Yes the cost of all factory fitted options are covered.

A factory fitted option is anything that you had fitted to the vehicle while it was being built at the factory. For example metallic paint, heated seats, multi function steering wheel.

Dealer fitted options are anything that your dealership fitted to your vehicle before you took delivery and are mentioned on your invoice. For example mudflaps and mats.

Written off means that your vehicle was involved in an accident and your own insurance company have decided that it is not economically viable to repair or your vehicle has been stolen and not recovered. As such they will offer you the market value of your vehicle.

Yes you policy will cover your wife providing that your own insurance is happy to settle then we are too.

Yes we will cover your husband, providing that your own motor insurance company are happy to settle then we are too.

No, however, if you would like to defer your policy because you have the 'new for old' with your motor insurance, please contact us on 0800 195 4926.

Finance Gap Insurance is a form of policy that runs along side your own motor insurance policy. Should your vehicle be written off it pays the difference between your vehicles valuation and the amount that you have outstanding on finance meaning that you can walk away with no further financial liability. This level of cover is only available for customers who have purchased their vehicle on type of lease or contract hire where they can not own the vehicle at the end of the finance agreement. Please note that any late payment charges or arrears would be deducted from any settlement.

Vehicle replacement is a form of gap insurance that pays the difference between your vehicles valuation n the day that it is written off and the amount of money that you need to spend to buy another car the same age, mileage and condition as your was on the day that you collected it from the dealership. if that model is not longer available then settlement is based on the superseding model.

Return to Invoice gap insurance pays the difference between your vehicles valuation on the day it is written off and the original invoice price you paid. Simply put between your two insurance companies you are paid the full invoice price back. From this you can clear any finance if needs be and the rest of the funds are yours to spend as you see fit?

There is no set answer as what is important for you may be totally different from someone else. instead the best policy is the one that does what you want it to. Finance gap insurance - simply clears any outstanding finance Return to invoice gap insurance - protect the invoice price you paid. Vehicle replacement - protects the replacement cost of another vehicle the same as yours was on the day that you collected it, even if it has gone up. Contract Hire Gap Insurance - clears your outstanding liability to your contract hire company.

Anyone who is covered by your own insurance company to drive your vehicle is covered by your gap insurance policy. Simply put however your vehicle is written off, who ever is driving and however it is stolen as long as your own motor insurance company are happy to settle then we are too.

No there is no charge for paying with any credit or debit card.

Yes providing that your own insurance company decide to write your vehicle off and they are happy to settle then we will follow suit.

No unfortunately we can not cover a named driver unless they have a full UK driving licence.

Yes we do cover third party insurance however please remember that we will only be able to settle if your own insurance are willing to.

Yes all of our policies are backed by the Financial Services Compensation Scheme.(FSCS). If the Insurer is unable to meet some of their liabilities and You make a valid claim, You may be entitled to compensation from the FSCS, depending on the type of business and circumstances of the claim. Protection is at 90% where claims arise under other types of policy with no upper limit. Further information can be obtained from the Financial Services Compensation Scheme: By telephone: 0800 678 1100 or 020 7741 4100. By e-mail: [email protected] . For more information please visit www.fscs.org.uk

The FCA is better known as the Financial Conduct Authority.They are a financial services body who oversee the industry and any company who wishes to advise, sell or promote any form of insurance must be regulated.

Our FCA number is 821163. Your can verify this by visiting http://www.fca.org.uk/ or calling their free phone number which is 0800 111 6768

Our FSA number is 821163 however please note that the the FSA has since early 2013 been changed to the FCA. ( our number is exactly the same)

Our BIBA Number is 006652

Our company registration Number is 7347606.

Our prices are cheaper and it is nothing to do with your policy, how you are looked after, claims settlements or customer service. Instead differences in supplier prices ( because of the volume we provide ) differences in rates of IPT ( we only charge 6% your dealership has to charge 20 % ) mean that our prices can be up to 85 % less than your dealership with no dilution in levels of cover.

The maximum length of cover you can buy is four years, however , if you would like 5 years cover please call 0800 195 4926/0151 647 7556.

No there is no mileage restriction providing that your vehicle is under 80,000 miles on the day that you buy your policy. How many mileage you do after that is totally up to you.

A claim limit is the maximum amount that you will ever be able to claim from your gap insurance policy on top of your own vehicle on the day it was written off.

Your schedule is your document which shows all your vehicle details and information specific just to you.

You can click the quote button answer the questions and buy online or you can call our free phone number 0800 195 4926. Please note that the prices are exactly the same.

You can pay for your policy with any major credit or debit card ( there is no additional charge) PayPal, Bank transfer or cheque. We would request that you do not send cash via post.

The purchase price is the physical amount that you have paid for your vehicle. ( less any discounts but before any cash deposit or part exchange allowance.)

Your cover starts the moment that you have made payment.

In a perfect world the policy should be in the name of the person who owns the vehicle, has it registered in their name and any finance also in their name. There are however exceptions for example if your have a contract hire vehicle the finance could be in a company name, the vehicle registered to a lease company and your gap insurance policy registered to a nominated user. It is also very common it put policies in joint names, for example if you are spouse who live at the same address. Still need help? Why not call our free phone number 0800 195 4926.

Your cover ends when you make a claim, cancel your policy or on the end date as shown in your schedule.

Yes you still need to have motor insurance to be legal to drive or ride on public roads.

Yes you are covered abroad for up to 60 days in any one trip providing that your own motor insurance company cover you.

No if you have used the drop down menu to select the number of years that you want the price you have be shown is for the full term.

We are trained and regulated to talk about our policies and work hard to make sure that our policies are some of if not the most comprehensive in the UK today. Chances are that your dealership policy may not be as comprehensive as ours?

No providing that you own motor insurance company are happy to settle any claim then we are too. in fact you sign over authority for the two insurance companies to talk to each other. This not only speeds the process of making a claim but also means that you are not left trying to play piggy in the middle with two very large Insurance companies.

No we do not offer a price match and instead monitor the market to ensure that you are always quoted some of the lowest if not the lowest prices in the UK. However in the very unlikely event that you do find a cheaper quote no matter if their terms are no as all inclusive as ours we guarantee to beat it.

Differences in rates that your dealership must charge you for insurance premium tax and supplier rates because of the volume of policies we provide means that our prices can be up to 95 % cheaper with absolutely no dilution of cover.

If you have a private plate simply start your cover on the existing registration number and then when DVLA give you authorisation to use your number plate either log on the the "My shortfall " section and amend your registration number or call a member of the team. It will take approximately 2 - 5 minutes and there is no charge.

Yes you can pay using your Paypal account simply select the Paypal option and our system will direct you to Paypal to complete your payment

Yes you are still covered if the accident is your fault providing that your own insurance company is happy to settle then we are too.

We would not be able to settle a claim if your own insurance company do not agree to settle. For example if you where drunk behind the wheel. A full list of terms and conditions can be found by typing in the name of the policy you want or just above any price you are quoted.

The claim limit you need is based on how long you want cover for and which type of cover you need. <p> Please remember that this is an amount on top of your own vehicles valuation as your insurance company will still pay you the market value of your vehicle on the day it was written off. So when you are choosing a claim limit you need to think about worse case scenario. If your vehicle was written off on the last day of your policy how much would you need to either clear your finance, ( finance gap insurance ) take you all the way back to the invoice price you paid (return to invoice ) or back to the replacement cost ( vehicle replacement).

When you are thinking about a claim limit for vehicle replacement insurance please think about not only the depreciation of your vehicle but also the appreciation of a replacement. If the average vehicle with average usage can lose up to 50% within the first three years your claim limit needs to be even bigger to allow for model and inflationary increases. <p> For example Mr XXX bought a Vauxhall Zafira on promotion for £12,995 and wanted a 5 year vehicle replacement policy.<p> The car would normally of cost £22,000. <p> If Mr XXX's car was written off tomorrow he would of needed £9,005 just to get back to the cost today. <p> If his car was written off in 4 years 11 months and 28 days time it would not be un reasonable to think that based on current rates of depreciation his car may be worth in the region of £4,000. It is also not un-reasonable to think that the cost of a new model may have increased to £24,000.<p> This means that for Mr XXX's policy to be able to pay all the money he needs to replace his Vauxhall he would of needed to have picked a claim limit of at least £20,000.

Your claim limit is the maximum amount that you will ever be able to claim on top of your own vehicles value to take you back to the invoice price you have paid. <p> While no-one can ever guarantee to know exactly what your vehicle will be worth at the end of a set period of time( there are too many factors ) the average vehicle is estimated to lose up to 50% of its original value in a three year period.<p> This means that we would advocate that you air on the side of caution and always think about how much you would need if your vehicle was written off on the last day of your policy. <p> For example Mrs XXX Buys an Audi A1 and pays £21095. <p> 4 years later her car is stolen and her insurance company settle the market value which based on current rates of depreciation is in the region of £8295.<p> For Mrs XXX's Gap Insurance policy to be able to take her right the way back to her invoice price she would her policy to pay her £12800, so she would of needed to have chosen a claim limit of £15,000.

There are many factors which affect how much your vehicle will lose over a set period of time. <p> Some of which you control, and some of which you do not. <p> What you will use your vehicle for. For example a builders merchant van will not be worth as much as a florist. The amount of miles that you cover, for example a Audi A6 with 30,000 miles on the clock will be worth more than the same model with 80,000 miles. <p> There are also factors which you can not control for example public opinion about a brand, manufacturer model changes even government incentives for example reducing road tax on low co2 vehicle and government grants on electric vehicles.

Our policies we genuinely consider to be the most all inclusive policies in the market place today and have the least amount of exclusions. For us it will always be about your policy and how you are looked after when you make a claim. That said we live in the real world and totally understand that value for money is important too so we price check to make sure that our prices are some of the lowest if not the lowest in the UK today. <p> <p>Our company ethos is to be fair and upfront and while our teams first priority is always to help you understand your options they will also where ever possible try to offer the very best value for money. <p> No gimmicks, policies that perform the way you expect them to, plain English and just good old fashioned excellent levels of customer care.

Yes you can. If your policy or combination of polices exceed £150 simply call a member of the team on 08001954926 or 01516477556 who will be able to explain the monthly options to you.

No at Shortfall we are proud to be completely independent and have no affiliation with any manufacturer.

The claim limit you need will depend upon which type of policy you want and how long you want it for. It will also depend on what type of mileage you are going to do. This is because the claim limit is the maximum amount that you will ever be able to claim on top of your own vehicles value on the day it was written off. While on-one can ever guarantee to know exactly how much a vehicle will be worth motor experts estimate that the average vehicle with average useage can lose up to 50% within just three years. So yur claim limit has to be big enough to be able to perform on the last day of your policy. So lets play devils advocate and say which you paid £16500 a vehicle and that it was written off on the last day of your policy. Again lets air on the side of caution and predict that your vehicle was worth just the 50 %. This means that your motor insurance company will be offering you in the region of £8250.00 If you you wanted to buy a return to invoice gap insurance policy then your would need a claim limit big enough to be able to pay the £8250 you need to top you back up to the purchase price you paid. Clearly a £7500 claim limit would leave a gap. The next claim limit up is £10000 which would naturally be big enough to allow for the shortfall and still have an extra margin or error. However if you want to buy a vehicle replacement policy we would need an even bigger claim limit as we need to allow not only for the depreciation of your vehicle but also for the appreciation of the cost of the replacement. This means that a £10,000 or even perhaps a £15,000 may be more suitable.

Your gap insurance policy will not cover you if...<p> 1. Your own motor insurance company will not settle.<p> 2. Any claim where the Insured Vehicle is left unattended, unless all security devices / immobilizers have been activated, the vehicle is locked and no removable ignition device is left in, or on, the Insured Vehicle.<p> 3. If you allow someone who is not authorized or insured to drive your vehicle unless this happened because your vehicle was stolen. <p> 4. If the Vehicle was VAT qualifying and you have already claimed the VAT back then any claim will be settled exclusive of VAT.<p> 5. Any claim if the driver of the Insured Vehicle is intoxicated by alcohol, under the influence of non-prescribed drugs, or where they have been advised not to drive by a registered medical practitioner<p> 7. Any discount given by the supplying dealer<p> 8. Dealer fitted options over £1500. Please note that no dealer fitted options are covered.<p> 9. Arrears and late payment charges.<p> 10. Credit Protection Charges.<p> 11. Negative Equity carried forward from an old finance agreement to this one unless you have paid the optional extra to cover up to £2000. <p> 8. Loss of use of the Insured Vehicle or any other consequential losses that are directly or indirectly caused by the event which led to Your claim, such as travel expenses or loss of earnings<p> 9. Any Total Loss that occurs before the Start Date, outside the Period of Cover, or outside the Territorial Limits<p> <p> <b>Please note for a full list of terms and conditions please see your policy documents</b>

No you can claim on your excess insurance for even minor damage.

No sorry we can not cover taxi drivers on this policy.

No can not buy Excess Insurance if you use your vehicle as a driving school.

Yes, Excess Insurance will cover you if your vehicle is on contract hire and the contract is in your name.

Yes you must be over 19 years of age and have a full UK driving licence.

No we do not need to know about previous claims you have made and it will not affect your quote, cover or any claim you make.

We would not be able to settle your claim if your repair was less than your excess, or if you stopped insuring your vehicle with motor insurance. We would also not pay if you claimed your excess from another third party. <p>Please see your policy for a full list of terms and conditions.

This will depend on how much you want to protect however cover starts from as little as £29.50 a year.

Your Motor Excess insurance is arranged by Aequitas Automotive Limited trading as Shortfall.co.uk and underwritten by Acasta European Insurance Company Limited.

A full explanation is available on your documents or you can call <b>0114 321 9881</b>

Yes to help combat fraud and to help to keep costs down there is a waiting period of 30 days from when you have bought the policy. This means that during this time you will not be able to make a claim against your excess insurance. However if you renew with us there is no waiting period.

Yes your gap insurance will cover you if your car is stolen providing that you own motor insurance company are happy to settle then we are too.

Yes and no is the simple answer, the reason being that if your own motor insurance company look at the claim and are happy to settle then we would simply follow suit. However if for what ever reason your motor insurance company decide not to settle for example if you where drunk behind the wheel then we would just like them not be able to settle.

Yes your policy will cover all named drivers.

If your vehicle is stolen with the keys or without the circumstances do not matter as long as your own insurance are happy to settle.

Your documents will be available for you to download on the payment complete page.

You can log on to the My Shortfall section and download another set of documents.

You can change you address, reg number and contact details by simply logging onto the My Shortfall section and editing your details. A new set of Documents will be available straight away.

Your Documents are ready and waiting for you to download the second that you have made payment.

No there is no charge what so ever.

No there is no charge for making address changes

Our Address is <p> Aequitas automotive Limited<p> Aequitas House<p> 56 Hamilton Square<p> Birkenhead<p> Wirral<p> CH41 5AS

For customer services please use [email protected]

Our contact telephone numbers are 0800 195 4926/0151647 7556.

Our offices are open Monday to Friday 9am-6pm and Saturday 10am-2pm.

We welcome testimonials and feed back good and bad a like from all website visitors, potential customers and policy holders.

Your comments will only ever be altered if you name a person or another organisation in a derogatory or slanderous way or use inappropriate language. When this happens we will not delete your comments however we will reserve the right to change the names or inappropriate language to a series of XXX's.

Yes providing they are not slanderous or use inappropriate language in which case they would be edited before publication. In fact we take your feedback very seriously. When we designed our systems we spent a long time conducting market research and listening to focus groups about what they liked and did not like. While we know that we can not please everyone all of the time we have tried where ever possible to incorporate your suggestions.

Yes for us they are extremely important.<p>By listening to you our many thousands of website visitors, policy holders and potential customers we have been able to design systems which are easy to use and policies which perform they way you want them too. <p>In fact we take your feedback and customer comments so seriously that we use them to target our teams. Instead of any of our team being paid any financial incentive to provide a policy for you, all of our team are salaried and any bonus's they are paid are based on rates of customer service. <p> This we feel is a much fairer and much more productive way.<p> Happy customers recommend us and come back for their next policy and word of mouth advertising is something that no company no matter how big or successful can ever buy.

Your details are stored safety and securely, they are never passed on given, given or sold to any one for any marketing purposes what so ever.

We can cover many different types of Audi including the Audi A1, Audi 3, Audi A4, Audi A4 Allroad, Audi A5, Audi A6, A6 Allroad, A7, A8 as well as the Audi Q3, Audi Q5, Audi Q7 TT and TT coupe however please check your documents for full eligibility.

We can cover many different models of Alfa Romeo including the Alfa Romeo Mito and Giulietta as always we would ask that you refer to your policy for full terms and conditions.

We can provide gap insurance for many different types of BMW from the BMW X1, and 1 series to the BMW 3 series, BMW 5 Series, BMW 4 Series, BMW 6 Series, BMW 7 Series, BMW 8 Series, X3, X5, Bmw Z4 M3, M5 and M6 . As long as your BMW is in Glass's Guide and meets the other eligibility criteria we can provide cover. <p>( please see your policy )

We can cover lots of different types of Aston Martin's including Aston Matin Cygnet, DB4, DB6, DB7, DB9, DBS, Lagonda, Rapide, Rapide S, V8, Vanquish, Vantage, Virage. Please remember to refer to your policy terms and conditions for full eligibility listings.

Here at Shortfall we can cover many different types of Chevrolet, including the Chevrolet Spark, Chevrolet Aveo, Chevrolet Cruze Saloon, Chevrolet Cruze Hatchback and Chevrolet Trax, please remember to check your Shortfall policy documentation for full eligibility.

We can cover many different types of Citroen models, including the Citroen C1, Citroen DS3, Citroen DS3 Cabrio, Citroen Berlingo, Citroen C4 Picasso, Citroen C4, Citroen DS4, Citroen Grand C4 Picasso, Citroen CS Saloon, Citroen C5 Tourer, Citroen DS5, please remember to refer back to your policy documents for full eligibility.

We provide cover for Dacia Duster's and Sandero's, however please refer to your Shortfall policy documents for full eligibility listings.

We can cover a wide range of Fiat models including, Fiat 500, Fiat 500C, Fiat Panda, Fiat 500L, Fiat Punto, Fiat Bravo, Fiat Qubo, Fiat Doblo, please remember to read your policy documents and terms of conditions for full eligibility.

We can cover lots of different types of Ford models, including, Ford KA, Ford Fiesta, Ford B-Max, Ford C-Max, Ford Focus, Ford Mondeo, Ford Kuga, Ford S-Max and Ford Galaxy, though please always remember to refer back to your terms and conditions for full eligibility.

We cover many different types of Honda, including, Honda Accord Saloon, Honda Accord Tourer, Honda Civic, Honda Cr-V, Honda Cr-Z, Honda Insight and Honda Jazz. Please remember to read your policy terms and conditions for full eligibility.

We can cover many different Hyundai models including the Hyundai i10, Hyundai i20, Hyundai i30, Hyundai Veloster, Hyundai i40, Hyundai ix35, Hyundai Sante Fe and Hyundai i800. Please refer to your policy terms and conditions for full eligibility.

At Shortfall, we can cover many different types of Jaguar model, including, Jaguar XF, Jaguar XJ, Jaguar XK and Jaguar F-Type. Please remember to always refer to your Shortfall terms and conditions for full eligibility.

At Shortfall we can cover many different types of Jeep including the Jeep Cherokee, Jeep Grand Cherokee and Jeep Wrangler. Please remember to always refer to your Shortfall policy terms and conditions for full eligibility.

We can cover a number of different Kia models such as the Kia Picanto, Kia Rio, Kia Soul, Kia Venga, Kia Cee'd, Kia Pro_Cee'd, Kia Optima, Kia Carens, Kia Sportage and Kia Sorento. Always remember to refer back to your policy terms and conditions for a full listing of eligibility.

We can offer cover for a range of different Land Rover models such as the Land Rover Defender, Land Rover Freelander, Range Rover, Range Rover Evoque, Land Rover Discovery, Range Rover Sport. Please remember to always check the policy terms and conditions for full eligibility.

We cover lots of different Lexus models including Lexus CT, Lexus IS, Lexus GS, Lexus RX and Lexus LS. Please refer back to the policy terms and conditions to become fully aware of which models are eligible.

We at Shortfall can cover a range of different Mazda models including Mazda 3, Mazda 5, Mazda 6, Mazda CX-5, Mazda MX-5 and Mazda MX-5 Sport. Always remember to check the Shortfall policy terms and conditions for eligibility.

We can cover many different types of Mercedes, including the Mercedes A-Class, Mercedes B-Class, Mercedes C-Class, Mercedes CLA-Class, Mercedes CLS-Class, Mercedes E-Class, Mercedes GL-Class, Mercedes M-Class, Mercedes R-Class, Mercedes S-Class, Mercedes SL-Class, Mercedes SLK-Class and Mercedes AMG. We would remind you to please always refer to the policy terms and conditions for full eligibility information.

We cover a range of different MINI's including the MINI Cooper, MINI Countryman, MINI Clubman, MINI Paceman. MINI Convertible, MINI Coupe, and MINI Roadster. As always we would ask you to refer to your policy for full terms and conditions.

At Shortfall, we cover a variety of Mitsubishi models such as the Mitsubishi Outlander, Mitsubishi i-miev, Mitsubishi Mirage, Mitsubishi ASX and Mitsubishi Shogun. As always we would remind you to refer to your policy documents for full terms and conditions.

We cover a range of Nissan models at Shortfall including the Nissan Leaf, Nissan Micra, Nissan Note, Nissan Juke, Nissan Qashqai, Nissan Qashqai + 2 and Nissan X-Trail. We would always remind you to refer to your policy documents for full terms and conditions.

We cover a range of Peugeot models such as the Peugeot 206, Peugeot 107, Peugeot 208, Peugeot 207, Peugeot Bipper, Peugeot 2008, Peugeot 308, Peugeot 3008, Peugeot 508 Saloon, Peugeot 508 SW, Peugeot 207, Peugeot 308 CC. Peugeot RCZ Coupe, Peugeot Partner, Peugeot 308 SW, Peugeot 5008 MPV, Peugeot Expert, Peugeot Expert. Please remember to refer to your policy for full terms and conditions and eligiblity information.

At Shortfall we cover many different types of Porsche including the Porsche 911, Porsche Cayenne, Porsche Cayman, Porsche Boxster and Porsche Panamera. We can cover your used Porsche as long as it is a UK vehicle, under 8 years of age and has under 80,000 miles on the clock. Please remember to always refer to your policy for full terms and conditions.

We can cover a range of different Renault models such as the Renault Clio, Renault Megane, Renault Zoe, Renault Twingo, Renault Captur, Renault Scenic and Renault Fluence. Please remember to refer to your policy for full terms and conditions and eligiblity information.

At Shortfall we can cover a number of Saab models, including Saab 9-3, Saab 9-3x, Saab 9-5, Saab 90, Saab 900 and Saab 9000. Remember to refer back to your policy for full eligibility information and terms and conditions.

We cover a range of Seat models, including, Seat Leon, Seat Ibiza, Seat Mii, Seat Altea, Seat Altea XL and Seat Alhambra. As always we would ask that you refer to your policy for full terms and conditions.

At Shortfall, we cover a number of Skoda models such as the Skoda Citigo, Skoda Fabia, Skoda Rapid, Skoda Octavia, Skoda Superb and Skoda Yeti. As always we would remind you to refer back to your policy for full terms and conditions.

We cover a number of different Smart models at Shortfall, these include, Smart ForTwo, Smart ForFour and Smart Roadster. Please refer to your policy documents for full terms and conditions and never hesitate to contact us with any questions you may have about your particular model.

We can cover a range of Subaru models including the Subaru BRZ, Subaru XV, Subaru Legacy, Subaru Outback and Subaru Forester. Always refer to your policy for terms and conditions and never hesitate to call with any question you may have, our team are on hand to answer all of your queries.

At Shortfall, we can cover a wide range of Suzuki models including the Suzuki Swift, Suzuki Swift Sport, Suzuki Splash, Suzuki Alto, Suzuki SX4, Suzuki Kazashi, Suzuki Jimny, Suzuki Ignis and Suzuki Grand Vitara. Please always refer to your policy for full terms and conditions and eligibility information and feel free to call us with any questions you may have, our team is always on hand and ready to help.

We can cover a number of different Toyota models at Shortfall such as the Toyota iQ, Toyota Aygo, Toyota Yaris, Toyota Verso, Toyota Verso-S, Toyota Auris, Toyota Avensis, Toyota Prius, Toyota GT86, Toyota Rav4, Toyota Land Cruiser and Toyota Hilux. Remember to always refer to your policy for full terms and conditions, feel free to call with any questions you may have, our team are always happy to answer any queries.

We are able to cover a wide range of Vauxhall models including the Vauxhall Corsa, Vauxhall Agila, Vauxhall Adam, Vauxhall Meriva, Vauxhall Astra, Vauxhall Ampera, Vauxhall Zafira, Vauxhall Cascada, Vauxhall Insignia, Vauxhall Mokka, Vauxhall Antara, Vauxhall Corsavan and Vauxhall Combo. Please remember to refer to your policy documents for full terms and conditions and do not hesitate to call as our staff are always happy to answer any queries you may have regarding your model.

At Shortfall, we can cover a wide range of Volkswagen Vehicles, including, The Volkswagen UP!, Volkswagen Golf, Volkswagen Beetle, Volkswagen Passat, Volkswagen CC, Volkswagen Scirocco, Volkswagen Tiguan, Volkswagen EOS, Volkswagen Jetta, Volkswagen Touran, Volkswagen Sharan, Volkswagen Touareg, Volkswagen Phaeton and Volkswagen XL1. Please remember to refer to your policy documents for full terms and conditions and feel free to call if you have any questions, our team are always happy to answer any queries you may have.

We cover many different Volvo models at Shortfall including the Volvo S80, Volvo S60, Volvo V70, Volvo V60, Volvo V40, Volvo XC90, Volvo XC70 and Volvo XC60. Remember to always refer to your policy documents for full terms and conditions and never hesitate to contact us, our team are always happy to answer any queries you may have.

We accept all major credit and debit cards including Amex.

No we do not charge any surcharge what so ever.

Yes you can pay by bank transfer. Please contact a member of the team on 0800 195 4926 who will be able to provide you with the bank details you will need.

Yes you can pay using your Paypal account. Simply click the buy policy button and when it proceed to checkout click the pay with PayPal option.

Yes you can pay monthly for any policy or combination of policies if they cost over £150. <p> Simply click the buy policy button and when you proceed to check out click the pay monthly option.

No you do not have to pay a deposit now if you elect to pay monthly.<p>

Your first Monthly payment is normally within 10- 14 days.<p> Your payments will then be on the same calender day as today<p> <br> For example you buy a policy on the 10 th, your first payment would normally be 10-14 days after.<p> <br> Your monthly payments would then be on the 10th of each month.

Your monthly payments are with a company called Premium Credit Limited.

Yes they will either email you a link to confirm your payments or write to you.

Yes you can cancel your monthly payments at which time you would be asked to pay the balance in full.

We are based in-between Chester and Liverpool, Hamilton Square Birkenhead. The Hamilton Square district, on the banks of the River Mersey overlooking the iconic Liverpool skyline, contains the highest number of Grade 1 listed buildings in the UK outside Trafalgar Square in London. The sandstone faced 5 storey buildings form an impressive location for one of the leading niche insurance providers in the UK.

Our company registration number is 7347606.

Our FCA Number is 821163

We pass it to the relevant administrators so that they have your information should you ever need to make a claim.

No none of your information is given, sold, or passed to anyone for any marketing purposes.

Our Mission statement / ethos is to be fair, upfront, honest and transparent in all we do.

We use our buying power to negotiate the lowest prices as possible with no dilution or compromise on levels of cover or service. <p> <p> To explain lets use your recent vehicle purchase. If you can imagine instead of buying just one or two vehicles what would happen if you where buying 100,000. You would expect the same if not better vehicle but for a much lower price. You may even be able to get free metallic paint or a full tank or fuel as a nice extra. This is exactly the same when it comes to gap insurance. Also unlike your local dealership when you buy gap insurance from you are paying a lower rate of IPT ( Insurance Premium Tax). The third aspect is that no member of the team is ever paid any commission or given any financial incentive for arranging a policy. <p> Please remember that the price you are paying for your gap insurance is not an indication of quality, cover or service levels. Instead the price you are paying is more an indication of where you have bought it from.

Officially there is no excess, however there will be a £25.00 call out charge per claim. Policies purchased before 01/11/16 will be subject to a £10.00 excess.

To be eligible for scratch and dent insurance, your vehicle must have a standard paint finish, which is not self healing, chrome illusion, two tone, matte finish or has a vinyl wrap.

Your policy will expire on the expiry date that is shown on your policy schedule.

When looking at your vehicle, there could be nothing worse than having a dent or a scratch in it that completely ruins the look of your vehicle, to repair this damage can be an expensive experience, especially if it is unexpected. Scratch and Dent insurance is there to help in situations such as this, if damage such as this happens, you could have it completely fixed with no further effect on your finances. Please see your policy for full terms and conditions.

You can make up to 3 claims per year. Policies purchased prior to 01/11/2016 will be limited to 3 claims per year.

If you need to make a claim please follow this procedure. Check that he damage is covered under your policy (what you are covered for) Your vehicle registration number. Details of the minor body damage, when it occurred and how the damage was caused. Electronic images of the minor body damage. Dates when the vehicle can be inspected and repaired, if your claim is covered. Remember that all repairs must be carried out by the approved repairer that is appointed by the claims administrator. If your claim is authorised we will settle the claim directly with the approved repairer. Claims helpline: 01454 400 1639

If your policy was purchased prior to 01/11/2016 please refer to your policy documentation. If you are purchasing a new policy or have purchased a policy after the 01/11/2016 please see below. Subject to the terms and conditions, this policy will pay to Repair Minor Cosmetic Damage to the Insured Vehicle. There is no limit to the number of claims that You can make under this policy, however the maximum amount that the policy will pay in total (and this can be split across multiple claims if the maximum limit is not exceeded) is £3,000.

If your policy was purchased prior to 01/11/2016 please refer to your policy documentation. If you are purchasing a new policy or have purchased a policy after the 01/11/2016 please see below. 1. Minor Cosmetic Damage that occurs within the first 30 days from the Start Date 2. Anything that cannot be defined as Minor Cosmetic Damage or Minor Cosmetic Damage that extends across more than 2 body panels. In the event that the damage extends across more than 2 body panels, the entire claim will be excluded. For a full list of exclusions please refer to your policy documentation.

You can purchase Scratch & Dent Insurance for your vehicle if it is less than 5 years old and has less than 80,000 and has been purchased from a VAT Registered Garage or Main Dealership within the last 30 days. The policy does not provide cover for vehicles that are subject to a contract hire or lease hire agreement whereby you have no option to own the vehicle and are not the registered keeper.

Your Scratch & Dent Insurance policy is underwritten by Mapfre Asistencia. Policies purchased before the 01/11/2016 will be underwritten by UK General on Behalf of Ageas.

Policies purchased prior to 01/11/2016 will be asked to pay a £10.00 excess contribution. Newly purchased policies have no excess to be paid.

Accidental damage is a sudden and unforeseen event that has resulted in damage to the tyres.

Replacing tyres can be extremely expensive, tyre insurance will pay for the cost of repair for your tyres, which has resulted from damage that has occurred within the geographical limit. If your tyres are damaged, it could be devastating to your finances to pay for them to be replaced, tyre insurance can help take some of this worry away.

Your policy will end when, the benefits provided under the relevant section of your policy will cease on the earliest of the following: the expiry date that is shown on your policy schedule, if you or anyone representing you defrauds or deliberately misleads the insurer, administrator or claims administrator, the vehicle is sold or transferred to a new owner, the claim limit has been reached.

These vehicles are excluded from tyre insurance cover: Taxis, self drive hire, driving schools, service vehicles e.g police, ambulance etc. Commercial vehicles, or vans with a carrying capacity exceeding 1750kg. Any vehicle that is subject to a contract hire or lease hire agreement whereby you have no option to own the vehicle and are not the registered keeper. A Vehicle used in any sort of competitions, rallies, pace making or off road use. Left hand drive vehicles. Vehicles not listed in Glass's Guide. Any vehicle owned temporarily or otherwise by a motor dealer, trader or business formed the purpose of selling or servicing motor vehicles.

If your policy was purchased prior to 01/11/2016 please refer to your policy documentation. If you are purchasing a new policy or have purchased a policy after the 01/11/2016 please see below. In the event of a claim please contact the Claims Administrator within 7 days of the Damage occurring and have Your Policy Schedule and vehicle registration number to hand. An Authority Number must be obtained from the Claims Administrator before any repairs/replacements take place (unless You need to make an emergency Tyre claim outside of the Claims Departments opening hours). In order to make a claim for malicious Damage to the Tyre(s) fitted to the Insured Vehicle, You must first report the Incident to the Police and You must obtain a crime reference number. Any additional costs not covered by, or in excess of the limits of this policy must be settled directly by You with the Approved Repairer. 1. The Claims Administrator will register the details of Your claim and provide You with the telephone number of the nearest Approved Repairer. 2. You should book an appointment for the Damage to be assessed by the Approved Repairer. 3. While You are at the appointment, the Approved Repairer will telephone the Claims Administrator on 01454 642 327 and ask for the authority to carry out a repair or replacement of the Tyre(s) fitted to the Insured Vehicle. 4. If Your claim is covered, the Claims Administrator will advise the Approved Repairer how much will be paid under this policy and an Authority Number for this amount will be issued. 5. The Approved Repairer will then either repair or replace the Damaged Tyre(s) depending on the extent of the Damage and invoice the Claims Administrator directly for the costs. If you are claiming out of hours, please refer to your policy documentation for the correct procedure.

If your policy was purchased prior to 01/11/2016 please refer to your policy documentation. If you are purchasing a new policy or have purchased a policy after the 01/11/2016 please see below. Subject to the terms and conditions, in the event that the Tyre(s) fitted to the Insured Vehicle sustain any Damage, this policy will pay for the following: a) The cost of materials and labour that the Claims Administrator deems to be fair (by assessing market average repair costs) to repair, balance and refit a Tyre that can be repaired, or; b) Where a Tyre is deemed to be Damaged beyond economical repair, the reasonable cost of materials and labour that the Claims Administrator deems to be fair (by assessing market average repair costs) to balance and fit a replacement Tyre of similar make and quality. This policy will cover a maximum of 3 Tyres per 12 month period from the Start Date. The maximum amount that this policy will pay per Tyre is £300.

This insurance will not cover the following: Any vehicle that is subject to a contract hire or lease hire agreement whereby you have no option to own the vehicle and are not the registered keeper. Repair or replacement costs where your policy schedule does not confirm cover under section two of the policy. Any claim during the claims waiting period. Any damage which occurs prior to the start date of your policy. Any damage which occurs during the claims waiting period. Wear and Tear, including any unevenly worn tyres that are caused by a defective steering geometry outside manufacturer's recommended limits, or wheel balance, failure of a suspension component or shock absorber or which in the opinion of a qualified engineer was caused wholly, or partly from a lack of maintenance e.g the vehicle being operated with incorrect tyre pressure. Tyres which are not 'E' marked and any claim where there has been an attempt to remove the serial number or other identifying marks from the tyres. The policy excess as detailed on the policy schedule. Over five tyre claims in the period of insurance. Any malicious damage claim, which is not accompanied by a valid and substantiated crime reference number. Theft of the tyres. Any claim where at the time of damage the tyre tread depth is less than 2mm across the full legal width of the tyre.

You can purchase tyre insurance from shortfall if your vehicle is brand new up to 90 days old.

If your policy was purchased prior to 01/11/2016 please refer to your policy documentation. If you are purchasing a new policy or have purchased a policy after the 01/11/2016 please see below. You can make up to 3 claims per year with your Tyre Insurance policy. If you have purchased a combined Tyre & Alloy Wheel Insurance policy you can make up to 3 claims per year on each of the tyre and alloy wheel aspect of the policy.

Your Tyre Insurance policy is underwritten by Mapfre Asistencia. Policies purchased before the 01/11/2016 will be underwritten by UK General on Behalf of Ageas.

Policies purchased prior to 01/11/2016 will be asked to pay a £10.00 excess contribution. Policies purchased after this date have no excess.

The maximum number of claims during the period of alloy wheel insurance shall not exceed: Three claims under a twelve month policy. Six claims under a twenty four month policy. Nine claims under a thirty six month policy.

Wear and Tear is damage to the alloy wheels which means that they have reached the end of their normal working life because of their age or usage.

The policy schedule is the document that is issued to you by the administrator when you take out your alloy wheel insurance. It will contain details of the cover you have selected, personal details about you, your vehicle and the policy excess and confirmation of the effective start and expiry date of the policy.

No your alloy wheel insurance does not cover theft.

Your Alloy Wheel policy is underwritten by Mapfre Asistencia. Policies purchased before the 01/11/2016 will be underwritten by UK General on Behalf of Ageas.

Accidental damage is a sudden and unforeseen event that has resulted in damage to the alloy wheels.

For policies purchased prior to 01/11/2016 the claims team number is 0191 258 8135. For policies purchased after 01/11/2016 the claims team number is 01454 642 327.

Within the period of insurance, we will pay for the cost of repair that results from accidental damage, provided it has taken place in the Geographical limits of the policy. Each claim is handled by an administrator and the repair will be carried out by an approved repairer, who will make all efforts to repair the alloy wheel to your satisfaction. The maximum repair limit is up to £150 per claim. Where more than one alloy wheel has incurred accidental damage, each repair will be classed as a claim under your alloy wheel insurance policy. The maximum number of claims during the period of insurance shall not exceed: Three claims under a twelve month policy. Six claims under a twenty four month policy. Nine claims under a thirty six month policy.

If your policy was purchased prior to 01/11/2016 please refer to your policy documentation. If you are purchasing a new policy or have purchased a policy after the 01/11/2016 please see below. The policy does not cover vehicles that are subject to a contract hire or lease hire agreement whereby you have no option to own the vehicle and you are not the registered keeper. The policy will not cover any vehicle used at any time in a public service capacity, such as Military, Police or Ambulance vehicles; for hire and reward; courier or delivery services; short-term self drive; for the carriage of passengers, including but not limited to taxi services, private hire or for driving instruction purposes in connection with your occupation The policy will not cover any vehicle used at any time for any type of competition or rally; racing; any type of track day; off road; speed testing; pace making, or reliability trials. The policy will not cover split rim construction, chrome rim, multi-piece or chrome finished alloy wheels The policy is not renewable or transferable to any subsequent owner of the insured vehicle or to any other vehicle There is an initial wait period of 30 days after the start date in which you are not able to make a claim The policy will not cover damage to the alloy wheel(s) which has been caused by lack of maintenance or neglect; corrosion; structural damage resulting in cracking, buckling, breakage or distortion of the alloy wheel(s), or where any welding is required; abuse, malicious or intentional damage; previous faulty repair unless arranged by the Claims Administrator; defective, failing or peeling paint/lacquer; the theft of wheel nuts or of the insured vehicle itself; manufacturing defects or faulty design; damage caused as a result of cleaning/polishing, improper adjustment, modification, alteration, or tampering pitting, or carrying out general maintenance The policy will not cover any costs to repair the alloy wheel(s) fitted to the insured vehicle that the Claims Administrator does not authorise in advance and provide an authority number for The policy will not cover any costs to repair the alloy wheel(s) where the damage is caused by wear and tear due to age and/or usage; damage that occurs when a replacement tyre is fitted; damage that occurs while the insured vehicle is driven while the tyre is deflated; fire or theft, or by a road traffic accident where there is a motor insurance claim that involves another vehicle

You can purchase Alloy Wheel Insurance for your vehicle if it is less than 8 years old and has less than 80,000 and has been purchased from a VAT Registered Garage or Main Dealership within the last 30 days. The policy does not provide cover for vehicles that are subject to a contract hire or lease hire agreement whereby you have no option to own the vehicle and are not the registered keeper.

Yes you can pay monthly for any policy or combination of policies over £150.00

Yes there is an element of interest. we felt that this was the fairest way of offering monthly payments as otherwise we would have to of increased the premiums across the board which would of been unfair to customers and policy holders who wanted to pay in full.

The amount of interest you will pay will depend on the cost of your policies but has been kept at a nominal amount.<br><p> For example if the total cost of your policies is £170.00 there would be £17.00 interest. This means that the total amount that you would pay is just £187.00.

You payments are for 12 months regardless of how long your policy is for.

Yes you can cancel you direct debits at any time however you cover would stop and as your policy would not of been paid for in full you would not be entitled to any refund.

You first payment is normally 10-14 days from today's date.

Your monthly payments are normally on the same calender day as the one that you bought your policy. <br><p> For example you buy a policy on the 12th of May. This means that normally your monthly payments would be on the 12th of each month.

Agreed value gap insurance is for motorists who have owned their vehicle for over 180 days or who's gap insurance policy has run out. Just like return to invoice it protects a set amount. The DIFFERENCE is however that instead of protecting the original amount that you paid for your car, your car is re-valued using Glass's Guide. We can protect up to 105% of Glass's Guide Dealer Retail value for your vehicle.

Simply call the office and a member of the team will be able to get a valuation for you. Please remember that they will ask you to confirm the cars condition and mileage. Any valuation will be based on the information that you give the operator and any false information given may invalidate your policy.

No unfortunately we can not cover vehicles which have been purchased at auction.

The maximum claim limit we can offer for agreed value policies is £50,000.

We can offer protection for vehicles up to £150,000.

In an attempt to keep our policies prices as low as possible at present we are unable to provide automated valuations.

We accept the following methods of payment: Visa, Mastercard, Maestro, JCB, PayPal, and American Express at no extra charge.

If you would prefer to pay in monthly instalments, please contact a member of the customer service team on 0800 195 4926/0151 647 7556 and any member of the team will be able to assist. If it is outside opening hours click here (shortfall.co.uk/contact) to leave a message with the payment team to give you a call back at a preferred time.

You will have instant access to your documentation once you have purchased the policy. You will see a number of download links for your documentation as well as receiving an email copy. You do also have the choice of creating an account after purchasing the policy and saving your documentation to the online account. If you would prefer for a hard copy to be sent out, please contact a member of the customer service team.

Yes, all of our policies will have a minimum 14 day cooling off period and some 30 days. Within that time you can cancel and obtain a full refund, providing you haven’t attempted to make a claim.

All policies underwritten from February 2017 are underwritten by MAPFRE ASISTENCIA.

MAPFRE ASISTENCIA is part of the Global Business division of MAPFRE GROUP. It was formed in 1989 and has operations across Europe, America, Asia, Australia and Africa. It specialises in Assistance and Specialty Risks across the Finance, Insurance, Automotive and Travel sectors.

Your policy is in safe hands it is underwritten by as MAPFRE ASISTENCIA. They have over 1,500 corporate clients accounting for 90 million people and over 195 million beneficiaries worldwide.

The MAPFRE Group was founded in Spain in 1933. They have 3 exceptionally successful divisions - Domestic Insurance, International Insurance and Global Business. They also employ over 36,000 people across the world.

Mapfre are based in the UK. Their address is MAPFRE ABRAXAS. 1 Victoria Street. Bristol Bridge. Bristol. BS1 6AA