My PoliciesCombined Gap Insurance Plus
Your Combined Gap Insurance Plus cover means that if you paid for your car with cash, you’ll be covered for the shortfall between its purchase value when you bought it, and its market value at the time of the loss, which is what your motor insurer will pay you. Or, if you financed your car, you’ll be covered for the difference between its market value, and the outstanding balance on your finance account.
Your claim will be paid out within days, directly to you.
Your Combined Gap Insurance Plus cover provides:
- Up to £50,000 gap cover
- 30-day, no risk, money-back guarantee
- Up to £250 towards your motor insurance excess
- Up to £1,500 towards dealer-fitted accessories
- Cover for any driver named at no extra cost
- Cover if your vehicle is stolen with the keys
Combined Gap Insurance Plus Policy Wording
Combined Gap Insurance Plus Insurance Product Information Document (IPID)
If you’d like a copy of your existing policy wording, please email us at email@apgcover.co.uk or call us on 0208 543 6006 during office hours.
Frequently Asked Questions (FAQs)
What is total loss?
Your car is likely to be declared a total loss by your motor insurer if any of these events occurs:
- If your car is damaged in an accident, fire or flood, and the cost to repair it is close to, or more than its market value at the time of loss;
- Or, in the above instance, if your motor insurer decides that it can’t be safely repaired;
- Or if it’s stolen and not recovered.
How do I claim on my Gap Insurance policy?
Our specialist claims managers, AutoProtect (MBI) Ltd. Have been appointed to provide you with an efficient and effective claim experience.
To register your claim, please follow the process that works best for you:
- Visit www.apapp.co.uk link to url and follow the steps to start your claim
Or
- Download the AutoProtect App on your smartphone by searching “AutoProtect GAP”.
Or
- Text the word APAPP to 88802 and you’ll receive a download link via SMS (texts are charged at your standard network rate).
For more information, please click here.
Wil my Combined Gap Insurance Plus policy still cover me when I’m at fault?
So long as you have motor insurance cover and your insurer declares your car a total loss, you’ll be covered irrespective of whether you are at fault or not.
Take a look at the terms and conditions of the policy for full details.
Combined Gap Insurance Plus Policy Wording
If you’d like a copy of your existing policy wording, please email us at email@apgcover.co.uk or call us on 0208 543 6006 during office hours.
Does my Gap policy also cover my motor insurance excess?
Your APG Cover Combined Gap Insurance Plus will pay up to £250 of your motor insurer excess.
Will I still have cover if my car is stolen with the keys?
If your keys are taken from a secure place such as inside your home or office, your claim will still be valid. If the keys are left unsupervised in your car though, then the vehicle would not be a total loss under your motor insurance policy, and as a result, a claim would not be valid.
Under what circumstances would my Gap cover not pay a claim?
APG Cover pays all valid claims, although there are a few situation in which a claim will not be considered valid:
- If an uninsured person was allowed to drive the car
- The driver was under the influence of non-prescription drugs or alcohol
- The car was being used for illegal activity
- Instances of fraud or wilful negligence
Your policy document details the full list of exclusions.
What does vehicle purchase value mean?
This is the amount you paid for your car after any discount and deposit you may have paid, and includes all factory-fitted accessories. It excludes the registration fee, fuel, insurance premiums, service plan, delivery charges, paintwork and upholstery protection kit, insurance and warranty premiums that may have been provided, as well as any arrears on your finance agreement and their associated costs, and any negative equity amount.
Can I cancel my Combined Gap Insurance Plus cover?
If you later decide that this cover isn’t for you, you can cancel with a full premium refund within the first 30 days, as long as you haven’t made any claim, or don’t intend to make one.
If you decide to cancel after the 30 days, you will be eligible for a pro rata refund, under the same conditions, less an administration fee of £35.
Who is the insurer of this policy?
Red Sands Insurance Company (Europe) Limited, who are registered in Gibraltar (87598) and are licenced by the Gibraltar Financial Services Commission are the insurers of your policy.
