Your policy is designed to protect you from a financial shortfall if your vehicle is declared a total loss. Your specific cover depends on the policy you have selected.

• The Financial Shortfall:
  • Finance GAP: If your car is written off, we cover the gap between your motor insurer's settlement and the outstanding balance on your finance agreement.
  • Return to Invoice (RTI) GAP: We cover the difference between your motor insurer's settlement and the original invoice price you paid for your vehicle (or the outstanding finance, whichever is greater).
• Motor Insurance Excess: We will contribute up to £500 towards your comprehensive motor insurance policy excess.
• Guaranteed Payout: You will receive a guaranteed minimum payment of at least £200, even if there is no shortfall.

Optional Cover (Included with 'Plus' Policies)

If you selected a 'Plus' policy, your cover is enhanced with the following benefits.

• Increased Guaranteed Payout: Your guaranteed minimum payment is increased to £400.
• Non-Fault Incident Bonus: You receive a £150 cash payment if your vehicle is damaged in a non-fault incident but is not written off.
• Temporary Vehicle Hire: We will pay £20 per day for up to 7 days towards the cost of a temporary replacement vehicle if your motor insurer does not provide one.

• Any vehicle that is not covered by a comprehensive UK motor insurance policy for the entire duration of the policy.
• Total loss due to theft if the vehicle's keys were not stolen at the same time.
• Negative equity carried over from a previous finance agreement.
• Vehicles used for hire or reward (e.g., taxis, delivery services), racing, or rallying.
• Additional costs included in the vehicle's purchase price, such as road tax, insurance premiums, or warranty costs.
• Deductions made by your motor insurer from their settlement amount (e.g., for pre-existing damage or salvage value).
• Any claim where the driver is found to be under the influence of alcohol or non-prescribed drugs.