Gap Insurance

Nice 1 RTI Finance / Gap Insurance provides insurance that will pay the difference between today's Retail Market Value of your vehicle and whatever value the Motor Insurer places on the vehicle should it be declared a write-off in the future.


Cover for your cars, light commercial vehicles and motorcycles for 2, 3, 4 or 5 years from as little as £159.00

Features and Benefits

  • Cars, Motorcycles and Vans up to 3.5t
  • 80,000 miles or less when GAP is incepted
  • In Glasses Guide 8 years old or less
  • Maximum Invoice Value up to £150k
  • Maximum Benefit £25,000
  • 24, 36,48 and 60 month terms available
  • £250 policy excess included in benefit
  • Contract hire and lease included
  • Transferrable to replacement vehicle
  • Pro-rata refunds (£35 insurer retention fee)
  • 90 Days cover in European Union (subject to main policy cover being unaffected)


Cover for your taxi for 1, 2 or 3 years from as little as £179.00

Features and Benefits

  • Prices are based upon the assumption that vehicles being used are family saloons and MPV's
  • RTI to 180 days from date of purchase
  • £250 policy excess included in benefit

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Cover for your commercial vehicles 3.5T to 7.5T for 3, 4 or 5 years from as little as £279.00

Features and Benefits

  • Vehicle weighing between 3.5 and 7.5 tonnes.
  • Please note trailer units are not covered by this policy
  • Purchase policy within 180 days of taking ownership of the Vehicle from a VAT Registered Dealership
  • £250 policy excess included in benefit
  • Finance GAP 3, 4 and 5 year terms
  • In Glasses Guide 6 years old or less
  • 80,000 miles or less when GAP is incepted
  • 60,000k max value
  • 15k max benefit


Cover for your commercial vehicles 7.5T to 44T for 3, 4 or 5 years from as little as £399.00

Features and Benefits

  • Heavy Goods Vehicle (HGV) tractor unit or a rigid lorry weighing between 7.5 and 44 tonnes
  • Please note trailer units are not covered by this policy
  • Purchase policy within 180 days of taking ownership of the Vehicle from a VAT Registered Dealership
  • £250 policy excess included in benefit
  • Finance GAP 3, 4 and 5 year terms
  • In Glasses Guide 6 years old or less
  • 80,000 miles or less when GAP is incepted
  • 100,000 max value
  • 20k max benefit

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Simple Facts

  • Up to 500,000 vehicles are declared a 'write off' each year
  • Your car / motorcycle / lcv / cv/ taxi is depreciating every second
  • A vehicle is stolen every 120 seconds in the UK (source: Drive and Survive 2006)
  • Motor insurers will pay only the depreciated value at the time of the claim
  • There is a motor vehicle insurance claim every 8 seconds of every working day
  • Vehicle key theft during robberies has almost doubled in the past 3 years (source: Drive and Survive 2006)


Customer Benefits

  • Do not have to borrow additional amounts to replace vehicles with a similar model
  • Can help to quickly settle any outstanding finance/loans, thus helping maintain a positive credit rating
  • Can help keep important hard earned savings intact as these are often withdrawn to help bridge depreciation or deposit 'GAPS'.


To receive a quotation please complete the application form, call us on 01403 261884 or click the 'Call Me' button to request that a consultant calls you...

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