David James Limited Insurance Options

Save thousands on new and used cars

Gap Insurance

Like many people, the last thing you want to think about when buying a new vehicle is covering yourself against unforeseen accidents.

You may not realise that even if your vehicle is nearly new when it's written off, the amount your insurance company will pay out could be much less than the cost of the vehicle when you purchased it, and much less than the finance outstanding.

Either way, losing your vehicle could leave you seriously out of pocket. GAP insurance could protect you from this, and compliments your own fully comprehensive vehicle insurance.

Shortfall GAP

Shortfall GAP is designed to pay the difference between the amount your insurance company will provide if your vehicle is written off or stolen and the outstanding balance under your finance agreement. The amount paid could be as much as £20,000

That means the reassurance of knowing that your finance could be cleared in the event that your vehicle is written off.

Return to Invoice GAP (RTI)

RTI GAP goes one step further and pays the difference between the amount your insurance company will provide if your vehicle is written off or stolen and the price your paid for the vehicle, as shown on your invoice. The amount paid could be as much as £20,000

Available for vehicles up to a maximum value of £85,000, not only will RTI GAP clear any outstanding balance on your finance agreement but you will have the extra cash to buy a replacement vehicle of the same quality and specification, without having to find any additional money - giving you extra reassurance.