GAP Insurance covers the shortfall between what you paid for your car and the insurance pay out should you be unfortunate enough to make a total loss claim.
If your car is stolen, involved in an accident or damaged by fire or floods and your insurance company declares it a write off, they will settle at the value of the car at the time, this can leave you out of pocket by thousands of pounds.
ALA Insurance is an FCA authorised company that are able to offer the best gap insurance policies developed with their extensive knowledge of the insurance market.
Don’t get caught out – protect your investment with ALA GAP Insurance today.
GAP Insurance pays the difference between what you paid for your car and the insurance pay out.
Cycle insurance cover gives you that complete peace of mind should the worse happen to your bicycle.
RAC car warranty can help and protect you against many common faults to give you full peace of mind.
“I had a very good experience with ALA Insurance. The lady I spoke to was very good and answered all my questions. Their rates are extremely competitive.”
Maureen (April 2023)
“Great communication and fantastic service , the gap insurance was so straightforward to set up and I had confirmation and assistance whilst doing so! Thank you so much”
Tyra M (April 2023)
Back to Invoice: You have up to 180 days to purchase a policy, or up to 365 days if your car was brand new when you purchased it and you have had new car replacement (new for old) cover from your motor insurer for the first 12 months.
Contract Hire GAP Insurance: You have up to 365 days after taking delivery of your car to purchase a policy.
Vehicle Replacement: You have up to 90 days after taking delivery of your car to purchase a policy – the vehicle must be less than 7 years old and have covered less than 80,000 miles at the policy start date.
If you have purchased a car more than 365 days ago or have bought it from a private seller, you can purchase an Agreed Value GAP policy at any time, as long as the car is less than 10 years old and has covered less than 100,000 miles.
Car GAP insurance cannot be renewed or extended yearly or at the end of the policy. For this reason ALA suggest that the GAP policy should last for as long as you plan to keep your car.
Vehicle Replacement and Back to Invoice GAP insurance policies can be purchased for up to a maximum of 4 years.
Contract Hire and Agreed Value GAP policies can be purchased for up to 5 years.
ALA Insurance understand that it can be difficult to know how long you might keep your car. For this reason, if you change your car before the policy expires, they will provide you with a daily pro rata rebate of the original premium which can be used in one of two ways:
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.
Any person driving your car is covered by your car GAP policy as long as they are a named driver on your comprehensive motor insurance policy.
Anyone driving your car under their own motor insurance or on a temporary/short term motor insurance policy will not be covered by an ALA GAP policy.
Yes, provided your motor insurer extends fully comprehensive cover to Europe (rather than the minimum insurance requirement for that country which, can sometimes be third party only) and you comply with any restrictions your Fully Comprehensive Policy enforces for a UK registered and domiciled vehicle, then the GAP Insurance will be valid.
Please note that car GAP Insurance only pays out if the primary insurer accept the insured loss under a fully comprehensive policy.
The figure shown in the gap insurance quote is the full premium for the term of cover selected, and represents the total cost for the policy.
If you choose to spread the cost of the policy and pay by Direct Debit, the premium is subject to a credit charge of 12.95%.
GAP stands for Guaranteed Asset Protection. There are several specific types of GAP insurance but the overall purpose of this type of cover is to protect you financially in the event of a total loss claim.