Frequently asked GAP questions
What is the claims process?
- To make a claim, call 01279 456 501 within 30 days of a total loss. We’ll advise you what needs to be done to get your claim settled as quickly as possible.
- We will send a claims pack to you and once complete you can return it by post or email, whichever you find most convenient. The sooner we get your information, the sooner we will process your claim.
- Once we have your completed claims pack, you should allow 7 working days for all information to be reviewed and the vehicle to be valued.
- The completed claims pack is sent to our underwriters for approval and once approved, settlement will be sent in writing to you.
- Once we have received your acceptance for the settlement amount, payment will be with you in 10 working days.
CLICK HERE to view our ‘How do I make a GAP/RTI claim?’ video.
How long will the claims process take?
14-21 working days on receipt of a fully completed claims pack.
Do you deal directly with my insurance company?
As it’s your contract of insurance, you will have to handle negotiations with them. We support you in this by fully advising you of the correct valuation of your vehicle and ensuring you get a fair deal.
If you give us your consent, we’re more than happy to fully explain valuations to you insurer.
What should I do when my insurance company make me an offer?
DO NOT accept it. Vehicles can be undervalued and it’s important you allow us to fully value the vehicle on your behalf.
We value all vehicles using Glass’s Guide retail (known in the trade as the ‘industry bible’)which is a stable reference tool to price used cars.
Can you accept copied documents or does it need to be originals?
All documents can be copies.
My car has been in an accident but the other party’s insurance is paying. Can I still claim?
Yes. The third party will have to provide the write off proof, all of the other details will be the same.
Can I transfer my policy?
The policy only applies to you and is not transferable to any other person or business. However, it may be transferred to another vehicle as long as the vehicle you replace it with comes within the price range specified in your schedule, subject to the terms and conditions of your policy and on payment of the administration fee.
Can I cancel my policy?
We’re confident that you’ll want to continue these policy benefits for the entire term of the agreement. However, we understand that circumstances may change, therefore, providing a claim has not been made, it is possible to transfer the policy to a replacement vehicle or cancel your insurance at any point. You may be entitled to a pro-rata refund on the remainder of the policy calculated monthly for each full month left to run subject to the terms and conditions.
I never received my GAP/RTI policy documents, how do I get them?
Please refer back to your selling dealer to obtain the correct information regarding your policy.
