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Best GAP Insurance

ALA is the best GAP Insurance Provider in the UK whose policies provide the best coverage, rates and deals online.

Why ALA GAP Insurance policies are better than the rest

Premiums can all look fairly similar, except perhaps for dealers, who all seem determined to rip customers off with excessively high premiums.

It is the standard features of our policies and the additional services we provide that add value to an ALA GAP Insurance policy.

Transfer or amendment of policy

Transfer or amendment of policy

Transfer is of unused premium on a pro rata basis and is used as a discount on a new policy

We do not charge any admin fees for this, or for any amendments to your policy

Other providers will not transfer, or if they do, they will charge you to do so

ALA GAP Insurance Example:

A
Vehicle Invoice Price
£20,000
B
Less Insurance Settlement
£10,000
C
= GAP Claim
£10,000
D
Market Value – Glass’s Retail
£12,000
E
ALA GAP pays C (A-B)
£10,000
Customer advantage with ALA policy =
£2,000
A
Vehicle Invoice Price
£20,000
B
Less Insurance Settlement
£10,000
C
= GAP Claim
£10,000
D
Market Value – Glass’s Retail
£12,000
E
ALA GAP pays C (A-B)
£10,000
Customer advantage with ALA policy =
£2,000

Standard Market Value GAP Insurance Example:

A
Vehicle Invoice Price
£20,000
B
Less Insurance Settlement
£10,000
C
= GAP Claim
£10,000
D
Market Value – Glass’s Retail
£12,000
E
Market Value GAP pays only A-D
£8,000
Customer disadvantage with Non-ALA policy =
£2,000
A
Vehicle Invoice Price
£20,000
B
Less Insurance Settlement
£10,000
C
= GAP Claim
£10,000
D
Market Value – Glass’s Retail
£12,000
E
Market Value GAP pays only A-D
£8,000
Customer disadvantage with Non-ALA policy =
£2,000

Maximum Value clause

Claim period

UK Registered Underwriters

Maximum Value clause

There are no maximum value clauses in ALA policies

Some GAP policies will cap their settlement to 105-110% of the Glass’s Guide Retail price. You might have paid more than the Glass’s Guide value of your car, perhaps because it is a desirable model

If a GAP policy has a maximum value clause you might not see this reflected in your settlement, which could leave you with less than you originally paid for your car

Claim period

We give you 120 days to make a claim – it could easily slip your mind in the circumstances

Our competitors may only give you 30 days

UK Registered Underwriters

The Financial Conduct Authority (FCA) regulate the insurance industry and to protect the consumer

The Financial Services Compensation Scheme (FSCS) is there to ensure your policy is protected against the failure of the insurance underwriter and pay out in the event of a claim

We are authorised and regulated and your policy is protected in this manner

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