Do you know how much you would get from your motor insurer if your vehicle was declared a write-off due to an accident, fire or theft? Even with comprehensive motor cover, if your vehicle is written off, your motor insurer will only pay you a settlement based on your vehicles value on the date of loss, and because vehicles depreciate over time, this will likely not cover the cost of any outstanding finance.
APG Cover Combined Gap Insurance Plus provides coverage for up to £75,000 to bridge the gap between your vehicle's purchase price and your insurer's payout or the outstanding finance settlement, whichever is higher. It includes up to £1,500 for dealer-fitted accessories, covers additional drivers listed on your comprehensive motor insurance policy, and reimburses up to £500 of your motor insurance excess in the event of a claim.
The vehicle will not be eligible for cover if it's more than eight years old or valued at more than £150,000, or it does not appear in Glass’s Guide.
APG do not cover any vehicles over 3,500kgs, commercial vehicles, or vehicles that are designed to carry more than 10 people.
If the vehicle is not covered by a comprehensive motor insurance policy, or the driver of the vehicle at the time of the loss is not listed as a named driver on the motor insurance policy, any claim made will not be valid.
The policy will not provide cover if the driver of the vehicle at the time of loss does not hold a valid driving license, or is intoxicated, or is under the influence of non-prescription drugs.
APG Cover Gap Insurance will make up the shortfall between what your motor insurer will pay, which is the market value of your vehicle at the time of loss, and your vehicle's value when you bought it.
APG Cover Gap Insurance will cover the outstanding balance on your finance account, or the shortfall between what your motor insurer will pay, which is the market value at the time of loss, and your vehicles value when you bought it, whichever is greater. Whether you've purchased your vehicle on finance or with cash, APG Cover Gap Insurance, brought to you by AutoProtect Group is available to assist you.
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