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Car insurance

Searching for the right car insurance can be complicated. So we’re here to make your life easier. Whatever your car’s shape or size, our team of experts are here to help you drive with confidence under the right cover.

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Home insurance

Finding the right insurance to protect your property and all its belongings is often a difficult process. That’s why we’re here to find you a policy tailored to your home, giving you extra assurance in your insurance. Whether you’re a homeowner, landlord, or building a property, we can help you with the right insurance to keep your house a home.

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Van insurance

On the lookout for the right van insurance? Our expert team will find the right insurance to have you covered. Whether you’re a sole trader or have a fleet of vans, we work with a range of insurers to provide you with the right cover to keep you and your van on the road.

Business

Business insurance

Searching for a business insurance deal? From home offices to large enterprises, we understand that every business is different. That’s why our expert team works hard to find the right policies and protection for your specific business needs.

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Farm insurance

We understand the constant demands of farming, so we’re here to make one thing much easier. No matter the size, we work with you on a personal level to protect your livelihood and help find the most competitive cover that your farm needs.

Travel

Travel insurance

We’re here to help your holiday go right. Offering insurance for a range of holidays, from multi-trips, a one-off holiday to a winter sport get-away, we’ll cover the least exciting part of your travels.

Other insurance

Searching for the right car insurance can be complicated. So we’re here to make your life easier. Whatever your car’s shape or size, our team of experts are here to help you drive with confidence under the right cover.

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GAP Insurance

What is GAP Insurance? 

Buying a car can be an enjoyable experience, from looking at different models to picking out the right spec. However, if the worst happens and your car is stolen or written off, you could really end up out of pocket as well as having no car, therefore it is certainly worth thinking about taking out GAP Insurance. 

Guaranteed Asset Protection insurance (GAP) protects your financial interest in your vehicle, whether it’s a new car, second hand or if you already own it. 

GAP is designed to give you bit of extra help to get back on the road by paying out the difference between what you paid for the car and what you may receive from your insurer following a claim - in insurance terms, it’s known as your total loss settlement.  

A total loss settlement generally tends to be what your car is worth at the time of the incident, which is likely to be much less than you paid. According to the AA, new cars can lose up to 40% of their value after their first year therefore if you’re buying your car on finance, or through a lease agreement, you’ll be particularly interested in GAP insurance.  

Do I really need it?

Here's an example of when GAP insurance comes in handy:

You bought a car a year ago at £15,000 but you needed a loan to buy it. You are then involved in an accident and your car was damaged badly and has been written off. 

You make a claim with your car insurance provider, but they only offer you the current market value of your car which is now £10,000 even though you bought it at £15,000 – leaving you £5,000 out of pocket.  

GAP insurance takes care of the £5,000 so you are still able to pay your loan.  

Key Information 

  • GAP Insurance will give you back the invoice price for up to a 4-year period from date of purchase.
  • GAP Insurance allows you to change your vehicle without having to cancel your GAP policy.
  • You can renew your policy annually so this can run in line with your car insurance policy.
  • Covers your excess up to £250 in the event of an at-fault claim.
  • The maximum GAP will pay (sum insured) following a claim is £75,000.
  • Your vehicle must be under 10 years old.
  • Vehicle must be declared a total loss.
  • GAP insurance pays any amount owed to a finance company (finance shortfall protection) following a total loss.  

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