What is Back to Invoice Plus GAP Insurance?

This GAP Insurance policy will, in the event of a total loss, pay the difference between the comprehensive insurer’s market value settlement and the original vehicle invoice price or the finance settlement figure, whichever is higher at the time.

We are pleased to offer policies underwritten by Hiscox and Financial & Legal, giving you the choice of various factors and eligibility.

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Back to Invoice Plus GAP Insurance Features:

Available up to 4 years for vehicles owned outright or on finance

Pays up to £250 or £500 of your comprehensive insurance excess (dependent on policy type, underwriter and confirmed at the time of purchase)

Pays up to £300 a year for non-loss claims if a Hiscox policy is chosen.

Contributes up to £40 per day for car hire if you are without your written off vehicle, for up to 30 days. This benefit comes with our Hiscox underwritten policy.

If a Hiscox policy is chosen, this policy covers dealer-fitted accessories up to £2,000.

Our policies do not have ‘Market Value’ or ‘Pre Approval’ clauses

Personal details can be amended free of charge

Policy transfer – pro rata transfer of unused premium if you change your vehicle, with no admin fees

Cover available for up to 180 days after delivery of vehicle, or up to 365 days if your vehicle is covered “new for old” by your motor insurer for the first 12 months

Discount available for renewal and additional policies

We guarantee to match any comparable online GAP quote

This policy is combined with Finance GAP, it will either pay back to the invoice price or the outstanding finance, whichever the greater. *see illustration below

We are fully authorised and regulated by the Financial Conduct Authority (FCA) and your policy has cover under the Financial Services Compensation Scheme

Can I buy Return to Invoice Plus?

The answer to this is yes if:

Your vehicle is less than 10 years old

You have owned your vehicle for less than 180 days OR less than 365 days if you have new car replacement cover from your motor insurer while the car is less than 12 months old

Your vehicle is owned outright OR on a Hire Purchase (HP) or Personal Contract Purchase (PCP)

Your vehicle was purchased from a VAT registered dealer

Your vehicle is not excluded as one of the following: Any multi-drop courier or any rally, competition or off-road vehicle of any type. Please see our exclusion list to check your vehicle isn’t on the list.

Exclusion list:

Unfortunately we do not offer GAP insurance cover for any Commercial Vehicle over 3500kg, Motorcycle, Motor Scooter or Moped. Any left hand drive vehicle and a vehicle which does not meet UK or EC approval or is not commercially available in the UK direct from a manufacturer or its authorised importer or dealer. Any multi-drop courier or any rally, competition or off-road vehicle of any type.

If your car has been bought from a private seller please look at the details for our Agreed Value GAP Insurance policy or contact one of the ALA team on 01653 916304

Policy Documents

View Policy Wordings and IPIDs for Back to Invoice Plus GAP Insurance.

As we work with a couple of scheme providers to get you the best price there are different policy wordings dependent on the scheme provider. We recommend familiarising yourself with all policy documents before purchasing.

These documents are available to view when you get a quote, too.

Policy (Bought within the last 180 days) via AMS IPID (Bought within the last 180 days) via AMS Policy wording (Bought within the last 365 days) IPID (Bought within the last 365 days) Policy Wording via Hiscox IPID via Hiscox

Back to Invoice GAP Insurance