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What would happen if your new car or LCV was written off or stolen and not recovered?
Should the worst happen and your motor insurer declares it a Total loss, your fully comprehensive insurance company will give you the current market value of your vehicle.
Due to depreciation, your vehicle will have lost value over the years. This means that the amount you are offered as a current market value settlement * could be thousands of pounds less than the original invoice price you paid. It could be worth less than your outstanding amount on a finance agreement. You could be left paying your finance company for a vehicle you no longer have.
*The market value your fully comprehensive insurance offers you is the amount they believe you would expect to spend if you wanted to replace your vehicle with another exactly the same as yours on the day it was written off.
A Vauxhall Gap Insurance (Guaranteed Asset Protection) policy from Easygap is designed to bridge the gap between being left behind after you have been paid your insurer's market value settlement.
Return to Invoice is designed to cover the difference between your motor insurance market settlement figure and the higher of either: ( if you have paid for your new car using a bank or personal loan as the finance is not directly linked to the purchase of your Vauxhall this policy will not cover the amount on your finance agreement it would instead act as if you had paid cash for your new car.)
This type of cover works quite similarly to Return to Invoice, but it also considers the replacement cost of another vehicle the same age, mileage, and specification as yours on the first day you drove it home.
If you did need to make a claim, the claims team would speak to three dealerships, find out the exact cost of the vehicle, take the average price of the three, and if it were the higher of the options, they would take that price as your monetary payment. If you would like a quotation for vehicle replacement gap insurance, please contact a team member, as our system can not offer an automated quotation.
With this policy, as you don't own the vehicle, the invoice price won't be protected. Instead, if the worst happened and your new car or LCV was declared a write-off/total loss, it would pay the difference between your market value settlement and the balance left on your lease or contract hire agreement.
N.B. late payment charges and arrears on your contract or lease hire agreement would be deducted from any settlement.
Please see your policy documents below for a complete list of terms and conditions.
Easy Gap Contract Hire Gap Insurance Terms Easy Gap Contract Hire Gap Insurance IPID
Easy Gap RTI ( invoice gap insurance )Terms Easy Gap RTI ( invoice Gap insurance) IPID
Peace of Mind with a Vauxhall gap insurance policy from Easy Gap
To qualify for a Vauxhall Gap Insurance policy from EasyGap, you will need to answer some criteria questions, for example:
If you need to make a claim, we rely on your insurance company to deem it valid. For example, if you had an accident and it became apparent you were acting illegally, e.g., drink-driving or speeding, if your own insurance company deems it not a valid claim and decides not to pay out, we won't be able to pay out either.
We can also offer other types of policies, including tyre and alloy wheel insurance and our market-leading smart care policy, to help protect you against unexpected costs while keeping your new Vauxhall in showroom condition.
History of Vauxhall
Vauxhall Motors was established by Alexander Wilson in 1857, making Vauxhall one of the oldest established vehicle manufacturers in the United Kingdom.
Vauxhall was then sold to General Motors in 1925.
Over the years, Vauxhall has produced a wide range of cars and LCVs, from ultra-compact cars and vans such as the iconic Vauxhall Viva to the Adam, the ever-popular Vauxhall Mokka and Grandland, larger vehicles such as the Vauxhall Zafira, and commercial vans such as the Vauxhall Combo, Vauxhall Vivaro, and Movano.