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Frequently Asked Questions

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Reach out for expert insurance support and personalised solutions.

Contact Number Enquiries:

0161 388 2550

Contact Number Claims:

0114 551 2910

Policy Details

The value of your car is the price that you paid for it – as indicated on your invoice.

GAP (Guaranteed Asset Protection) Insurance is when you receive the difference between the insurance pay-out to you and the cost of your finance settlement.

RTI (Return to Invoice) Insurance is the difference between the pay-out received and the price you paid for the original purchase price of the vehicle.

The Territorial Limits of the policy are Great Britain, Northern Ireland and member countries of the European Community.
As long as you inform us of the new number plate, you should be able to add a personalised number plate.

Unfortunately, we no longer cater to split payments. We take GAP payments via a one off payment, which you can do through the portal on our website or by calling our call centre.

There is a cooling off period of 30 days.
You should receive your documents within an hour. If you have not, check your spam folder. Sometimes policy documents get caught in spam email filters.

Claims

If you wish to discuss or make a claim, please call our claims service on 0114 551 2910 or email AIBclaims@spectrumcover.co.uk.

You should inform us as soon as you have informed your main insurer. Do not accept any offers from your insurer before contacting us.
You need to have evidence of your insurance. You should also provide us with the documents from your finance agreement, if you have one. If there are any police reports, please provide these too.
As long as you have fully comprehensive insurance, it should not be an issue to claim on your GAP insurance if you are hit by an uninsured driver.
If your vehicle has been stolen, you need to get the crime report from the Police. This helps prove that your vehicle has been the victim of a theft. Any theft or malicious damage claims which are not accompanied by a valid and substantiated crime reference number cannot be covered.
 
No. The policy does not cover road tax.
 

There is no excess on the GAP policy. We cover up to £500 of the excess on your insurance policy.

 
 

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    GAP Insurance Today is a trading name of Alternative Propositions Limited which is Authorised and Regulated by the Financial Conduct Authority No. 602443. Trading address: Alternative Propositions Limited, St Christopher House, 217 Wellington Road, Stockport, SK2 6NG. Registered in England No 8253536. Calls may be recorded for training or monitoring purposes.

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