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Combined RTI Gap Insurance Plus
Your Combined RTI Gap Insurance Plus cover means that if you paid for your vehicle 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 vehicle, 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 RTI Gap Insurance Plus cover provides:
- Up to £75,000 shortfall gap cover
- Up to £1,500 for dealer-fitted accessories
- Up to £500 towards your comprehensive motor insurance excess
- Up to 7 days vehicle replacement for covered claims
- £150 benefit for a no-fault incident, not resulting in total loss
Combined RTI Gap Insurance Plus Policy Wording
Combined RTI 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 alternatively, call us on 0208 543 6006 weekdays, during office hours.
Frequently Asked Questions (FAQs)
What is total loss?
Your vehicle is likely to be declared a total loss by your motor insurer if any of these events occurs:
- If your vehicle 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 and follow the steps to start your claim
- Download the AutoProtect App on your smartphone by searching AutoProtect GAP.
- 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.
Will my Combined RTI 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 vehicle 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 RTI 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 alternatively, call us on 0208 543 6006, weekdays during office hours.
Does my Gap policy also cover my motor insurance excess?
Your APG Cover Combined RTI Gap Insurance Plus will pay up to £500 of your comprehensive motor insurer excess.
Will I still have cover if my vehicle 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 vehicle 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 vehicle
- 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 terms details the full list of exclusions.
What does vehicle purchase value mean?
This is the amount you paid for your eligible vehicle after any discount and deposit, and includes all factory-fitted accessories up to £1,500. 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 any associated costs, as well as any negative equity amount.
Can I cancel my Combined RTI 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?
Acasta Europe Limited, who are licenced by the Financial Conduct Authority (FCA Reg No 599391) are the insurers of your policy.
