GAP Insurance FAQ's

How are your prices so cheap?

At GO Car Warranty we make it our business to price check across the whole market to make sure we are giving you the best deal possible.

What is a "Total Loss"?

In general, your car will be declared a "total loss" by your insurer if it cannot be repaired to its pre-accident condition, or if the cost of this repair is as much - or more - than the actual cash value of the car. Another term used when it is not economical to repair the car back to its pre-accident condition is "write off".

How long after the purchase of my car can the GAP Insurance be bought?

You can take out GAP Insurance up to 90 days after buying your car and on cars up to 7 years old.

Are your premiums one off or the cost per annum?

The premiums for GAP Insurance quoted on GO Car Warranty are the total cost for the entire term of the policy. There are no extras, and no hidden charges.

Can I take out GAP Insurance if I purchased my car from a Private Seller?

Yes. It doesn’t matter where you get your car from, you can cover the finance with a GAP Insurance policy

The GAP Insurance is in my name, will a claim be honoured if the car was involved in an accident whilst being driven by some-one else?

Yes, as long as there is in-force and valid comprehensive motor insurance covering the driver at the time.

What is the "Claim Limit"?

The claim limit is the maximum amount of money the GAP Insurance policy will allow you to request. Usually, the higher your claim limit, the more your policy will cost you.

Can GAP Insurance be transferred if I sell the car?

Unfortunately not, the insurance only covers the person or company who paid for the insurance whilst the car is under their ownership.

If I take out GAP insurance, do I have to be the policy holder on the car insurance?

Yes. To take out GAP insurance you must be the policy holder on the Car insurance.

What is the claims procedure for GO Car Warranty?

Making a claim is quick and straight forward. All you have to do is contact the claims office and supply them with any information which may be needed to establish the amount of any payment under the insurance policy.

What if my car is Written Off?

If you car is written off and you've received a settlement from your car insurer, just follow our claims process.

Can I pay by monthly instalments?

We are aware of the need to budget and that's why we will shortly be introducing an option to pay for policies that are over £150 by Direct Debit through the website. In the meantime, if you wish to pay by instalments, we can offer an interest free option with a 20% deposit followed by 9 instalments. If you would like to take advantage of this please telephone us and we will arrange the policy over the telephone. Please note the Complete Warranty, GAP and RTI policies under £150 must be paid in full by credit or debt card.

Can I Buy GAP Insurance if my car has been imported into the UK?

Yes. You can if your car is a "Parallel" import, but No if your car is a "Grey" import.

A Grey import is a vehicle that does not comply with European Union vehicle type specification, and has been imported from outside the UK, usually from Japan.

A Parallel import will have been produced for a European Member State and will conform to European Wide Type Approval.

How do I cancel a Policy?

No fees are charged for arranging your policy. However, should you decide this policy is not right for you, you may cancel it within 21 days of purchase. Providing no claim has been made you will receive a full refund. This policy has no surrender value and in all other circumstances cancellation is without refund.