GAP insurance

Imagine you had a motor accident and because of it your vehicle is declared a complete ' write off ' by your insurance company. Your £12,000 asset is now worth nothing, your car insurance provider is only prepared to pay £9,000 toward the damages and you are left with the shortfall to pay. Gap insurance covers this shortfall so that you are not left with any debt.

The Facts

• There were over 240,000 thefts or related car crime incidents in 2004/2005
• A vehicle is stolen every 90 seconds in England and Wales
• Nearly half of all vehicle reported stolen are never recovered

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