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Gap Insurance Quote


Specialist GAP Insurance for Taxi, Car or Van with a wide variety of cover options available.

GAP Insurance  Get Gap insurance cover in minutes

GAP Insurance  Specialist, A-Rated Insurer

GAP Insurance

Maximum Commercial Vehicle Value of £50,000.

Vehicle Value must be more than 5,000 and less than 150,000

Vehicle Value must be more than 5,000 and less than 150,000

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Details


Your Details


Manually Type Address


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Details


Vehicle Details


Maximum Vehicle mileage is 120,000, please correct this

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Your Results


Hi ,

Here is your GAP insurance quote for .

Your reference number is .

Choose your cover below to continue.

Cover Level: Agreed Value
Agreed Value Cover
Added Extras:
Included
Added Extras
Named Drivers:
Included
Named Drivers
Theft With Use of Keys:
Included
Theft With Use of Keys
£
Claim Limit: £
Years Cover:



All Policies include Insurance Premium Tax (12%) and £ fee. Monthly payment option available at checkout.


Maximum GAP cover value


When do I need to buy the policy Anytime
Will it Settle Finance Agreements Yes
Is it Transferable to my next vehicle No
Covers ALL Manufacturer fitted extras Yes
30 day Money Back Guarantee Yes
Covers all drivers on your insurance policy Yes
Covers theft with use of keys Yes
Cover Insurance Excess up to £250 Yes

What is Contract Hire Gap Insurance?

In the event of your vehicle being written off in an accident or stolen, our Finance, Lease and Contract Hire Gap Insurance can offer priceless financial protection. It will pay the difference between the outstanding finance balance and the settlement you receive from your motor insurer.

Cover will include up to a maximum of £250 motor insurance excess.


How does Contract Hire, HP and PCP Gap Insurance work?

Let’s say that at the point where your car is declared a total loss, you owe £20,000 on your finance agreement. However, due to depreciation and other factors, your car at that stage may only be valued at £14,000, which is the settlement you receive from your motor insurance provider.

That potentially leaves you with a hefty £6,000 shortfall on the finance agreement – an amount that you may not be able to come up with. But by taking out Finance Gap Insurance via Riviera Insurance Services Limited you’ll have protected yourself, as your policy will ensure that we’ll cover that £6,000 deficit.


What is total loss?

Only your insurer can declare the vehicle a total loss which in general can result from accidental damage, your fault or third party fault, fire, theft or vandalism.

Total loss means that you have claimed under your motor insurance, your claim has been agreed, your vehicle has been forfeited (title of the vehicle transferred to the motor insurer) and a payment made following the incident.

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Summary of Details


Please check the details you have entered for your policy, and confirm these are correct before continuing with your GAP Insurance.

As you have completed all of the information below. Your demands and needs are those of an individual who has a need for Gap insurance. We do not give you advice as to whether this product is suitable for meeting your specific demands and needs; you must therefore carefully read the policy and other documentation, and particularly the section on exclusions and limitations, to determine whether this product is right for you.

Single payment total:
£

inclusive of IPT

& £15 fee


Your Details

edit
  • Title
  • First Name
  • Surname
  • Email
  • Phone Number
  • First Line of Address
  • Postcode
  • Date of Birth //

Vehicle Details

edit
  • Registration Number
  • Year of Registration
  • Vehicle Purchase Date
  • Vehicle Make
  • Vehicle Model
  • Engine Size
  • Gears
  • Mileage on Car
  • Fuel Type

Cover Details

edit
  • Type of Vehicle
  • Length of Cover
  • Value of Vehicle




Final Questions About Your Cover




Demands & Needs



As you have completed all of the information. Your demands and needs are those of an individual who has a need for Gap insurance. We do not give you advice as to whether this product is suitable for meeting your specific demands and needs; you must therefore carefully read the policy and other documentation, and particularly the section on exclusions and limitations, to determine whether this product is right for you.


Download Policy IPID Download Demands & Needs

Please tick here to confirm that you have understood our demands and needs statement.


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Payment Options



Direct Debit Information


Riviera Insurance is a credit broker and not a lender. Your Direct Debit facility and credit will be provided by Close Brothers Premium Finance ("Close Brothers").

By choosing to pay monthly by Direct Debit you are protected by the Direct Debit Guarantee and agree that:
• Your average monthly income less your average monthly expenditure exceeds the monthly instalment amount.
• You will make Close Brothers aware of anything that affects your ability to pay your monthly instalments.
• Failure to keep up with your payments could result in a charge of £30 or more. This may ultimately result in the cancellation of your policy. Any debt remaining following the cancellation of your credit agreement will be pursued by Close Brothers, which may include the use of a debt collection agency.

After buying this policy, you will receive a Welcome Pack from Close Brothers.

However, for your benefit and protection, please read the Finance Information and Direct Debit Guarantee in full now before you go ahead.

This will ensure you can make an informed decision about whether this is the right choice for you. The finance option shown to you has been arranged by Close Brothers. Alternative credit is available. If you would prefer to take up this option please call 0333 321 8566



Our Direct Debit is provided via Close Brothers Premium Finance with a:
first payment of £
followed by 11 monthly payments of £



Direct Debit Breakdown


£

£

£

    £ x11

    15.95%

    32.86 % (variable)

2. Amount to pay today

£

£0.00

£

3. Overall

    £





Direct Debit Summary


The total cost of your insurance policy without premium finance is £.
The cost of premium finance is £
Which would mean that the total cost of your insurance policy with premium finance is £
If you choose to pay your insurance premium by applying for premium finance and entering into a credit agreement with Close Brothers Premium Finance, it will be more expensive, and you will pay £ more than if you paid for the premium in a single amount at the start of the insurance policy.

The credit agreement only has a duration of 11 months.




I confirm I have read the Finance Information document and Direct Debit Guarantee and understand the terms and conditions.



I understand my direct debit payment amounts and I understand that paying by monthly instalments will result in a higher overall cost rather than paying in full.



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Eligibility


You are eligible for cover under this policy provided:

Please read and confirm the following statements


  • The Insured Vehicle is less than 8 years old and has covered less than 120,000 recorded miles at the commencement of the first Period of Cover;
  • You are (or will you be) the registered keeper of this vehicle, and you are able to provide “Proof of Payment/Amount Paid”, should this be requested;
  • The Insured Vehicle has never been written off;
  • The Net Invoice Selling Price does not exceed £150,000 (one hundred and fifty thousand pounds);
  • The Insured Vehicle is listed in Glass’s Guide;
  • The Insured Vehicle is insured under a Comprehensive Motor Insurance Policy.
  • Where the Insured Vehicle has been sourced from outside the UK (and where We have agreed to provide cover for that Insured Vehicle), the value of the Insured Vehicle will be based on the Net Invoice Selling Price of a UK equivalent vehicle provided by a manufacturer or manufacturer’s agent in the UK and specified for use in the UK. The value will be used to determine the difference between the original Net Invoice Selling Price and the value at the time of the Total Loss.
  • If your vehicle is less than 12 months old your comprehensive insurance policy may in the event of a claim pay out the full purchase price excluding finance. -Do I still need GAP insurance? Whilst your comprehensive insurance policy may provide cover whilst your vehicle is under 12 months old, a GAP insurance policy can provide cover for up to 5 years. However, please note that most GAP insurance policies need to purchase soon after you take delivery of the vehicle. This is usually within the first 3-6 months depending on the insurer. Please check the terms and conditions of your current comprehensive insurance policy if you are not sure.

Please tick here to confirm that you meet the eligibility conditions of the policy.


Please tick here to confirm that you are able to provide “Proof of Payment/Amount Paid” in the form of receipt of payment, invoice and/or finance documents, should this be requested in the event of a claim.


Your Policy Documents


For your benefit and protection please make sure you read the Insurance Product Information Document, Terms of Business and the Policy Wording documents below carefully to ensure the policy meets your individual needs. These documents are important and if there's anything you don't understand please contact us.


Download Policy IPID Download IPID    |     Download Policy Wording Download Policy Wording    |     Download Terms of Business Download Terms of Business    |     Download Policy Wording View Privacy Policy


I confirm I have read the IPID, Terms of Business, Policy Wording and Privacy Policy and understand the terms and conditions.





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