GAP Exclusions
Standard GAP Cover
If the credit advanced under the Agreement exceeds the purchase price of the insured vehicle (including delivery, number plates and Road Tax), then a reduced amount will be payable.
This will not apply where the additional amount is in respect of credit protection and/or warranty insurance and this additional amount does not exceed 20% of the original purchase price of the insured vehicle.
The following are not covered: emergency vehicles, taxis, trucks, heavy goods vehicles, invalid carriers or vehicles which are or have been used for tuition, road racing, rallying, pace-making, speed testing or any other competitive event or any vehicle which has been modified other than in accordance with the manufacturer's specification.
If the driver of the insured vehicle is unlicensed, over the legal limit for drink/driving, or under the influence of drugs.
GAP Plus Cover
Any vehicle first registered more than 5 years before the start of the term of cover.
Vehicles not originally built to UK specification, emergency vehicles, motorhomes, caravans, taxis, buses, trucks, vehicles over 3.5 tonnes, invalid carriers or any vehicle which has been modified other than in accordance with the manufacturer's specifications are not covered under this policy.
Vehicles, which are or have been used for any of the following, are not covered: tuition, road racing, pace-making, speed testing or any other competitive event. Dealer fitted accessories, sound equipment, road fund licence, cherished number plate transfers, insurance and subscription fees are excluded.
If the driver of the insured vehicle is unlicensed, over the legal limit for drink/driving, or under the influence of drugs.
Full details of terms and conditions, and exclusions are contained within the policy document – a copy which is available on request
