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Agreed Value GAP Insurance

No vehicle age or mileage restrictions GAP cover

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What is Agreed Value GAP Insurance?

What is Agreed Value GAP Insurance?

This GAP Insurance, in the event of a total loss, will pay the difference between your comprehensive insurer’s settlement and the Glass’s Guide retail value of your vehicle at the time your policy is purchased (see illustration below)

This policy has no vehicle age or mileage restrictions – so long as we can get a valuation for your vehicle on Glass’s Guide; you are good to go! There are some exclusions so please be sure to have a read here what is not covered.

This policy can be purchased at any time after you’ve bought your vehicle – this means you can choose to buy GAP insurance at a later date and protect your investment with ALA.

This policy is suitable for:

Cars, pickups or vans less than 3,500kg, which have been purchased from a private seller rather than a motor dealer.


Cars, pickups or vans less than 3,500kg, purchased from a dealer where time restrictions mean you can’t have standard Back to Invoice Plus or Vehicle Replacement Plus cover.


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Policy Features

Quality cover

Covers vehicles written off due to theft, accident, fire or unforeseeable events where your comprehensive insurer declares it a write off. It is also a 5 star Defaqto rated product. 

Excess included

This policy covers £250 excess.

No vehicle age limit

No age restriction (although a valuation for the vehicle must be obtainable through Glass’s Guide)

No mileage resctiction

There is no mileage restriction on this AVG policy.

Generous claim limit

Up to £50,000 claim limit.

Vehicle value limit

This policy covers vehicles with a value of up to £75,000.

Length of policy options

We offer AVG policies for 1, 2, 3, 4 and 5 years.

Anytime purchase

With AVG, you can purchase anytime – no timing restrictions. Suitable for vehicles purchased from a private seller or owned for more than 365 days

Policy transfers available

We can provide a pro-rata transfer of an unused premium if you change your vehcile, with no admin fees!


Discounts are available for multiple policies.

Best Price Guarantee

We offer Best Price Guarantee for any online, comparable GAP quote.

Insured and protected policies

We are fully authorised and regulated by the FCA and your policy is also insured under the Financial Services Compensation Scheme.

Agreed Value GAP Example




*Example shows the amount covered by your Comprehensive Vehicle Insurance (based on average depreciation rates and current market value) and the potential shortfall if your vehicle is written off.
Glass’s Guide value at time of policy purchase: £15,000
Comprehensive settlement after total loss: £10,000
ALA Agreed Value GAP settlement: £5,000
Total settlement from insurer and ALA: £15,000
(Leaving you clear of any owed finance on your vehicle)

Policy Documents

View Policy Wording and IPID for Agreed Value GAP Insurance

Commercial Agreed Value GAP