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GAP Insurance Quote


Specialist GAP Insurance with a wide variety of cover options available.

Maximum Commercial Vehicle Value of £50,000.

Vehicle Value must be more than 5,000 and less than 150,000

Vehicle Value must be more than 5,000 and less than 150,000

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Your Details


Manually Type Address


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Vehicle Details


Maximum Vehicle mileage is 120,000, please correct this

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Your Results


Hi ,

Here is your GAP insurance quote for .

Your reference number is .

Choose your cover below to continue.

Gap Insurance
Options Available Cover
£ Excess Cover:
Included
£ Excess Cover
Named Drivers:
Included
Named Drivers
Theft With Use of Keys:
Included
Theft With Use of Keys Cover
 Claim Limit: £
Years Cover:



Our GAP premium covers you for the entire term selected. It is a one-off price and not the price per year.

All Policies include Insurance Premium Tax (12%) and £ fee.
When do I need to buy the policy Anytime
Will it Settle Finance Agreements Yes
Is it Transferable to my next vehicle Yes (subject to no gap claim being made on the policy)
Covers all drivers on your insurance policy Yes
Cover Insurance Excess up to £ Yes

What is Return to Invoice Combined Gap Cover?

Where your motor insurer accepts your claim and declares your vehicle a total loss, this insurance will pay the difference between the amount your motor insurer pays you and the amount you originally paid for the vehicle (or the balance owed under a finance agreement, if this is greater).


What is Contract Hire Gap Insurance?

In the event of your vehicle being written off in an accident or stolen, our Finance, Lease and Contract Hire Gap Insurance can offer priceless financial protection. It will pay the difference between the outstanding finance balance and the settlement you receive from your motor insurer.

Cover will include up to a maximum of £ motor insurance excess.


How does Contract Hire, HP and PCP Gap Insurance work?

Let’s say that at the point where your car is declared a total loss, you owe £20,000 on your finance agreement. However, due to depreciation and other factors, your car at that stage may only be valued at £14,000, which is the settlement you receive from your motor insurance provider.

That potentially leaves you with a hefty £6,000 shortfall on the finance agreement – an amount that you may not be able to come up with. But by taking out Finance Gap Insurance via Riviera Insurance Services Limited you’ll have protected yourself, as your policy will ensure that we’ll cover that £6,000 deficit.


What is total loss?

Only your insurer can declare the vehicle a total loss which in general can result from accidental damage, your fault or third party fault, fire, theft or vandalism.

Total loss means that you have claimed under your motor insurance, your claim has been agreed, your vehicle has been forfeited (title of the vehicle transferred to the motor insurer) and a payment made following the incident.

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Summary of Details


Please check the details you have entered for your policy, and confirm these are correct before continuing with your GAP Insurance.

As you have completed all of the information below. Your demands and needs are those of an individual who has a need for Gap insurance. We do not give you advice as to whether this product is suitable for meeting your specific demands and needs; you must therefore carefully read the policy and other documentation, and particularly the section on exclusions and limitations, to determine whether this product is right for you.

Single payment total:
£

inclusive of IPT

& £15 fee

Your Details

edit
  • Title
  • First Name
  • Surname
  • Email
  • Phone Number
  • First Line of Address
  • Postcode
  • Date of Birth //

Vehicle Details

edit
  • Registration Number
  • Year of Registration
  • Vehicle Purchase Date
  • Vehicle Make
  • Vehicle Model
  • Gears
  • Mileage on Car
  • Fuel Type

Cover Details

edit
  • Type of Vehicle
  • Length of Cover
  • Value of Vehicle




Final Questions About Your Cover




Demands & Needs



As you have completed all of the information. Your demands and needs are those of an individual who has a need for Gap insurance. We do not give you advice as to whether this product is suitable for meeting your specific demands and needs; you must therefore carefully read the policy and other documentation, and particularly the section on exclusions and limitations, to determine whether this product is right for you.



Please tick here to confirm that you have understood our demands and needs statement.


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Payment Options



Direct Debit Information


You have selected to pay by Direct Debit.
By paying for your policy in monthly instalments, you will enter into a credit agreement.
Your credit provider will be Premium Credit Limited. Riviera Insurance Services Limited will be the credit broker, not the lender.
The company name that will appear on your bank statement against the Direct Debit will be Premium Credit Ltd.
The amount you are borrowing is £ .
A deposit of £ is required followed by 9 instalments of £ (the amounts shown include Insurance Premium Tax and interest payable). An additional £5 facility fee will be added to your first instalment by Premium Credit Limited, your first payment will therefore be £ .
The rate of interest of this agreement is 16.95% which represents an APR of 40% variable. The total amount repayable will be: £ which is £ more than you would pay if you were paying for your insurance policy in one payment at the start of the policy.




I understand my direct debit payment amounts.



I understand that paying by monthly instalments will result in a higher overall cost rather than paying in full.



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Eligibility


You are eligible for cover under this policy provided:

Please read and confirm the following statements


  • - You must be a permanent resident in the United Kingdom of Great Britain and Northern Ireland or a UK registered company, throughout the period of insurance;
  • - You must be at least 18 years of age at the commencement of the period of insurance, where you are not a UK registered company;
  • - You must be the owner or registered keeper of the vehicle;
  • - You must be the policyholder or named driver under a motor insurance policy;
  • - The net invoice selling price of the vehicle cannot exceed £100,000 (one hundred thousand pounds);
  • - The net invoice selling price of the vehicle cannot exceed £125,000 (one hundred and twenty five thousand pounds);
  • - The net invoice selling price of the vehicle cannot exceed £150,000 (one hundred and fifty thousand pounds);
  • - The vehicle should be less than 8 years old when the policy is purchased;
  • - The vehicle should be less than 9 years old when the policy is purchased;
  • - The vehicle should be less than 8 years old when the policy is purchased;
  • - The vehicle should not have covered more than 100,000 recorded miles when this policy is purchased;
  • - The vehicle should be registered in the United Kingdom of Great Britain and Northern Ireland;
  • - The maximum amount that this policy will pay in the event of a claim will not exceed the amount shown on your policy schedule;
  • - The policy does not include the following items in the net invoice selling price of the vehicle: warranty, new vehicle registration fee, any insurance premiums, road fund licence, number plates, service plans, fuel, paintwork applications and any arrears or negative equity transferred from a previous finance agreement;
  • - The vehicle is not an emergency vehicle, commercial vehicle, taxi, courier vehicle, bus, minibus, coach, truck, motor home, trailer, licenced private hire vehicle, daily rental vehicle, or breakdown and recovery vehicle;
  • - The vehicle must not be used or insured for hire and reward, dispatch driving school tuition, chauffeuring, road racing, track days (timed or untimed), rallying, pace-making, speed testing, or any other competitive event;
  • - The maximum covered for dealer fitted accessories is £1,500;

Please tick here to confirm that you meet the eligibility conditions of the policy.


Please tick here to confirm that you are able to provide “Proof of Payment/Amount Paid” in the form of receipt of payment, invoice and/or finance documents, should this be requested in the event of a claim.


Your Policy Documents


For your benefit and protection please make sure you read the Insurance Product Information Document, Terms of Business and the Policy Wording documents below carefully to ensure the policy meets your individual needs. These documents are important and if there's anything you don't understand please contact us.





I confirm I have read the IPID, Terms of Business, Policy Wording and Privacy Policy and understand the terms and conditions.



Your Marketing Preferences


We're always looking to offer our customers great products at great prices - but we need your permission to do it. If you want to hear about the latest offers in our range, just tick the relevant boxes below with the form of contact you would prefer. And if you change your mind you can tell us at any time


Home Emergency Insurance  upto £500 Excess Cover Included
Home Emergency Insurance  Theft With Use of Keys Cover
Home Emergency Insurance  Cover for Contract/ Lease Hire Vehicles
Home Emergency Insurance  24/7 Claims Line





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