PistonHeads

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PistonHeads is working as a GAP Insurance introducer for ALA IB Limited trading as ALA Insurance Brokers, who is Authorised and Regulated by The Financial Conduct Authority. FCA Firm Reference No 571109. Registered in England, number 06833207. Registered office: ALA IB Limited, Unit 3, Park Farm Courtyard, Easthorpe, Malton, YO17 6QX

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30 Day GAP Offer

This offer is suitable for people who:

  • Have owned the vehicle for less than 30 days
  • Have bought their vehicle using cash, through finance or on lease
  • Have a vehicle less than 10 years old and valued at less than £125,000
  • Purchased a vehicle from a VAT registered motor dealer

Click here to read the full Terms & Conditions of this offer.

Terms & Conditions:

30-Day GAP Insurance is a free non-renewable product which is redeemable once per vehicle transaction and will expire at the end of the 30-day introductory period. Upon activation policy holders consent to being contacted during the 30-day trial with information which relates to other GAP Insurance products or services. Customers may terminate or transfer to another product at any time during the trial providing a claim has not ensued. To unsubscribe from communications, please follow the link in the post activation email.

Policy Documents

View Policy Wording and IPID for 30 Day GAP Insurance

Everything you need to know about GAP Insurance...


Before you register; we thought it might be useful to answer some frequently asked questions.

On average a car will lose 50% of its original value in 3 years and will continue to depreciate over time.

If your car is written off or stolen your comprehensive motor insurer will only give you a settlement for the vehicle’s market value – its depreciated value, leaving you out-of-pocket.

GAP insurance protects you from the risk of financial loss by paying you the difference between your insurer’s settlement and the original cost of your car, all from as little as £50

Select the option below which most closely matches how you are buying your car to decide which policy is the best for you in the event of a total loss:


1. I paid for my vehicle outright using cash or a personal loan from a VAT registered dealer

Back to Invoice Plus - Pays the difference between your motor insurer's settlement and the original vehicle invoice price.

Vehicle Replacement Plus - Pays the difference between your motor insurer's settlement and the cost of replacing your vehicle new for old or with one of a similar age as the original.


2. My vehicle is on finance e.g Personal Contact Purchase or Hire Purchase

Back to Invoice Plus - Pays the difference between your motor insurer's settlement and the original vehicle invoice price or the outstanding finance balance, whichever is higher at the time of the incident.

Vehicle Replacement Plus - Pays the difference between your motor insurer's settlement and the cost of replacing your vehicle new for old or with one of a similar age as the original or the outstanding finance balance, whichever is higher at the time of the incident.


3. My vehicle is leased with no option to purchase at the end of the term e.g. Contract Hire, Operating Lease

Contract Hire Plus - Covers up 100% of the outstanding rentals on a lease or contract hire vehicle as well as any difference in residual value.


4. My car was purchased privately, not from a dealer

Agreed Value – Pays the difference between your motor insurer's settlement and the Glass's Guide Retail Value of your car at the time the policy is purchased.

We often hear from our customers about the excessively high prices car dealers charge for GAP insurance.

ALA offers an alternative to the dealers by providing excellent value, comprehensive GAP cover at competitive prices.

You can be confident you’re buying from a trusted, highly recommended GAP insurance specialist – and save yourself a significant amount of money in the process!

No Hidden Clauses

If you’re unlucky enough to have your vehicle stolen or written off in an accident your Comprehensive insurer will only pay you the market value of the car at the time.

This market value is usually taken from Glass’s Guide, the leading British motor traders guide to used car prices, often referred to in the trade as "The Bible."

If you get less than the Glass’s Guide retail value from your insurer and your GAP policy contains a market value clause, you could be left with less money that you thought. Your GAP policy will only pay from the Glass’s Guide value, not what you’ve actually been paid by your motor insurer, leaving you out of pocket.

ALA do not have these clauses in our policies, we will simply cover the difference between your motor insurer’s settlement to the original cost of your vehicle.


Free Transfers

Most of the time, your GAP policy expires when you sell your vehicle; ALA will let you transfer the unused premium in your policy if you decide to change your vehicle – and we won’t charge any admin fees!


FSCS Protected Underwriters

It can be difficult to know who to trust. ALA can give you peace of mind as a reputable company that is fully authorised and regulated by the Financial Conduct Authority.

All policies are covered by the Financial Services Compensation Scheme (FSCS).


Time Limit to Make a Claim

Most GAP policies allow 30 days to make a claim but ALA gives you a minimum of 120 days, giving you that extra time just when you might need it most.


Deferred Policies

A number of motor insurers offer new-for-old replacement if a brand new vehicle is written off in the first twelve months. This might make you think that you need to defer the start of their GAP policy or that you don’t need GAP insurance at all.

However, if you decide not to buy GAP and your car is written off in the first year, you could be left out of pocket. If your car is written off your insurance company might only pay you the market value of the car, not the full replacement cost. Each insurance has different terms and conditions, and in the small print may exclude certain write off scenarios - with some insurers if the cost of the damage is less than 60% of the list price of the vehicle (rather than the market value of the vehicle) they may only give you market value.

You might think it’s a bit of a “belt and braces” approach but you could choose to have your GAP policy running alongside the cover from your motor insurer.

If your insurer gives you a new replacement vehicle, then ALA will transfer your policy onto that vehicle (there may be a balance to pay for the new policy). If they only pay you market value then you can claim on your GAP policy and not be left out of pocket.

We cannot cover any vehicle:

  • not registered and principally used in the UK
  • not purchased from a VAT registered garage (apart from Agreed Value GAP)
  • which has an invoice price exceeding £150,000 (Back to Invoice +, Vehicle Replacement + and Contract Hire +) or £75,000 (Agreed Value GAP) 
  • which is more than ten years old on the start date of your policy for Back to Invoice +, or 7 years old for Vehicle Replacement +
  • which is covered by a motor trade policy
  • which is not covered by comprehensive motor insurance
  • 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 taxi, mini cab, driving tuition vehicle, courier or delivery vehicle of any type or any private or public rental vehicle or any rally, competition or off-road vehicle of any type. 

If you are uncertain about your vehicle eligibility please contact us on 01653 916280 and one of our team would be happy to help.

The insurers of all policies provided by ALA are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and your policy is protected under the Financial Services Compensation Scheme.

Why PistonHeads associate with ALA Insurance

FSCS Protected Underwriters

FSCS Protected Underwriters

5 Star Rated GAP Insurance

Defaqto Star Rating

Lowest Prices Guaranteed*

ALA Best Price Guarantee