GAP Insurance

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GAP Extend


What is GAP Extend?

Historically, GAP insurance policies have not been renewable on the same car once the original policy had expired. This is due to the time limit that most providers impose to buy GAP insurance – usually 180 days of buying your car.

We know that circumstances can change and you may decide to keep your car longer than you originally planned. This could leave you at risk if your car is written off after your GAP policy has already expired, as you would be left only with the market value settlement from your insurer – and this could be as little as 30% of the original price.

Good news! If you originally had a Back to Invoice or Vehicle Replacement GAP insurance policy and you are keeping the same car, you can now extend your original GAP policy, on the same terms, for an additional 12 months.



GAP Extend Back to Invoice Plus

Where you originally had a Back to Invoice Plus policy, this will pay the difference between your motor insurer’s market value settlement and either the original invoice price of the car or the outstanding finance balance, whichever is higher, in the event of a write off.

GAP Extend Vehicle Replacement Plus

Where you originally had a Vehicle Replacement Plus policy, this will pay the difference between your motor insurer’s market value settlement and either the replacement cost of a brand new car at the time of the write off, or the outstanding finance balance, whichever is higher.

GAP Extend Features:

  • Cover is available for a maximum 12 months only
  • GAP Extend can only be purchased where the original policy was a 4 year term or less
  • Cover will remain the same as you originally purchased, paying you back to the invoice price or replacement cost of your car
  • Cover is available to customers of ALA or if you have previously had a policy from a dealer or another provider*

*If your original GAP policy was with ALA the GAP Extend can be purchased up to 30 days after the original policy expires. If the GAP policy was with a provider other than ALA, the GAP Extend cover must be purchased before the original policy has expired.

If you do decide to change your car during the 12 month policy, it can be transferred. As with all of our policies this is done by calculating the unused premium in your original policy on a daily pro rata basis. This is then deducted from the price of a brand new policy. There are no administration fees to do this, however there may be a balance to pay for the new policy.



For further information on GAP Extend or to get a quote, please contact us on 01653 916304

Or request a callback from a member of our team.



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Independently reviewed as a 5 star GAP Insurance policy by Defaqto and winner of the H.A.T. award for excellent customer service as voted by honestjohn.co.uk readers.