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Shortfall insurance is a trading name of Aequitas Automotive Limited and our aim is to offer what we honestly consider to be the best levels of insurance at real value for money prices in a safe and factually correct environment.Why Choose Shortfall?


In our opinion insurance should be just like a tin of baked beans! Perhaps a strange analogy to use however when you buy a tin of baked beans you know beforehand exactly what you are getting and what to expect even before you open the tin. 


At Shortfall insurance we think your policy should be exactly the same.


You should know exactly what you are buying and more importantly what will happen should you ever need to make a claim.


We have spent a long time to ensure that our policies have all terms and conditions written in black and white, our team is trained to be able to explain your level of cover and most importantly we want you to know exactly what will happen when you need to make a claim.


No gimmicks, no fuss, no drama, just insurance policies that perform, value for money and excellent rates of customer service.


At Shortfall insurance we place a huge emphasis on customer service standards.


This is because we totally understand that it is only by listening to you our many thousands and thousands of happy customers and Website visitors that we will be able to constantly exceed your expectations.


In fact any bonus's we pay any of our team are only ever targeted on rates of customer service and non-one you speak to will be paid any commission on any policies they arrange.


Everything that we do from the underwriting insurance company, to the security systems we adopt, to the way in which our staff are trained is done so that you know that when you buy an insurance policy from Shortfall it will perform exactly as you would expect it to.


Nothing more and certainly nothing less and not just today but also tomorrow and the full lifetime of your policy.


But please do not take our word for it why not check our credentials where you can see what our customers are saying about us? Why not visit our testimonials and feed back pages? Please note that we never alter the comments however if you see XXX it will be because the customer or website visitor has been defamatory about an organisation or a person.

At Shortfall we promote gap insurance and other motor related supplementary Insurance policies.


We at Shortfall do not offer voucher codes and we do not offer cash backs!


Instead we prefer to price check and monitor the world of gap insurance and other related policies to ensure that you are quoted some of the Uk's lowest, if not the lowest prices in the UK.


No matter if you shop online or speak to a member of the team the price will be exactly the same and will be the very best price we can offer. This is because as part of our ethos of being fair to all we think it would be unfair if one policy holder was offered a reduced price simply because they had the time and the inclination to search for discount codes.


That said in the very unlike event that you do find a cheaper quotation, simply contact us and we will beat it. It does not matter if the competitors policy is perhaps not as all inclusive as ours you have found a cheaper quote and it is our job to beat it!


Any offers we do have are given to existing customers.


This is because we believe in rewarding loyalty.


So if you are an existing customer please log on to the My Shortfall Insurance Account section to receive your updated loyalty price.


The reduction is not massive as we work work small profit margins however it is across the board. Instead it is a token of good will and a thank you for your continued patronage.

Our customer services team are full UK based, completely trained and qualified to be able to answer any questions you have.Shortfall UK Based Insurer


None of our team are targeted to supply policies and no-one is paid any commission or has any finance incentive in you buying a policy. 


Instead our team are targeted against rates of customer service. We feel that this is the only real barometer.


So if you call to ask a question no matter if it takes 20 seconds or two hours if you are happy with the way that you have been dealt with then we are happy too.


It is no surprise that happy staff who are well trained and motivated in teams with nurturing environments provide higher than average levels of customer service and this is something that we pride ourselves on. Yes we are human and errors can occur from time to time, however we have systems and management controls which are robust and constantly measured to ensure that if errors happen, that they are quickly, efficiently and sensitively handled with as little inconvenience to you as possible.

At Shortfall for us our number one concern has and always will be customer services and how your policy performs.


We will never compromise on what your policy will and will not cover and how you are looked after when you make a claim. Yes, price is important and we understand that especially in todays climate we all have to make sure that we are getting value for money.


However, for us it is only money well spent, if your policy does what is says it would when you need to make a claim as that is the only real true test.



This is where we genuinely think that our policies leave may others in the market place far behind. The wheels of insurance do not turn quickly and our vision for Shortfall was to have products which were so good that they stood alone. Unlike many other providers you do not have to buy a gap insurance policy from us to be able to buy a tyre insurance protection. 


From the underwriter to the administrator, from customer services to claims handling we have accepted nothing but the very cream of the crop. So, before you consider buying Gap insurance from somewhere else, why not compare our levels of protection?


We do not limit the price you have paid for your vehicle to any percentage of a guide price.


We do not have a market value clause claims. Providing that you have not accepted a settlement from your own insurance company we guarantee to pay any shortfall.


You can cancel your gap insurance policy at anytime and receive a pro rata refund.


You can transfer your gap insurance to another eligible vehicle completely free of charge.


If you change your mind for what ever reason within the first 30 days providing you have not attempted to make a claim we can cancel your policy and you will have a full refund.


The cost of all factory fitted options are covered.


We pay up to £750 towards your own motor insurance excess.


All policies are backed by the financial services compensation scheme. This is just a small selection of our policy features which also includes no administration costs for address, registration and telephone number changes, cover for dealer fitted options and no additional costs for paying with credit or debit cards.

We are part of the Aequitas Automotive Limited Group and as such are proud to be totally independent.

This means that we have no direct affiliation with any manufacturer and instead use our experience and buying power to negotiate what we genuinely consider to be the very best policy terms and conditions at the very best prices possible.


Our company ethos it to be fair, up front, honest and transparent in all we do.


Aequitas was the God of honesty and fairness and this mentality has been adopted into all aspects of our business.


From the clear, transparent and open way in which promote our policies to the way in which our team respond to customers queries and even to how claims are handled. Clear, honest and up front. Nothing more and absolutely nothing less.