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Combined GAP Insurance

Combined Guaranteed Asset Protection (GAP) Insurance

Written off but not paid off? Don't keep shelling out

What if?

Due to an accident, fire or theft, your motor insurance company declares your car a write-off. Nightmare. And what if you used a finance agreement to buy a car that's declared a write-off before you've paid back all you owe? You may have to pay any outstanding monthly payments in one lump sum, on a vehicle you can no longer use!

Unless you're covered by Combined GAP from Direct Cars.

Available for just £299 for up to 60 months


In the first 36 months of cover

In the event of a motor insurer declaring the insured vehicle a total loss due to a fire, an accident or theft of the insured vehicle, the policy will pay the greater of:

Vehicle Replacement

The amount by which the purchase price exceeds the comprehensive motor insurance settlement.

Financial Shortfall

The amount by which the finance agreement settlement figure exceeds the comprehensive motor insurance settlement including negative equity up to a maximum of £3,000.

36-60 months

The need for Financial Shortfall cover after month 36 is significantly reduced due to the balance of your finance and depreciation of your vehicle. Therefore cover provided after this period is at no additional cost!

The purchase price is the amount paid to purchase the insured vehicle, so excludes road fund licence, delivery charges, cherished number plate transfers, dealer fitted accessories etc.

Real peace of mind

Finance GAP from Direct Cars is designed to relieve any anxieties you may have about buying a car. One of our Business Managers can tell you all you need to know about the product, so please don't hesitate to ask.


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