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Do you need GAP insurance on a leased car?
Guaranteed Asset Protection, or GAP insurance, isn’t a legal requirement, but it’s worth thinking about. If the car is stolen or written off, insurers will only pay out the market value of the car. That means you could be left out of pocket if the value of the car is less than the outstanding finance on your leasing agreement. A GAP policy can help bridge the gap between the value of the car and the amount the insurer pays out.
Given the likely high value of a new or relatively new car, this outlay could soften the blow should the worst happen. It’s also worth noting that a Freedom of Information Act request submitted by Rivervale Leasing in 2020 revealed 56,288 lease cars were targeted by thieves. That’s one stolen every nine minutes.
There are two main types of GAP cover – both of which are worth considering, especially if you’ve opted for a premium-value car:
- Return to invoice (RTI)
- Vehicle replacement GAP insurance
- Return to invoice (RTI)
Contract hire GAP insurance is a straightforward type of cover that pays the difference between your hire car insurer’s settlement sum and the outstanding finance owed on the vehicle.
Vehicle replacement GAP insurance is a more comprehensive and therefore typically pricier form of protection. This cover option will pay any outstanding finance owed on the lease deal. It also pays for a replacement vehicle of the same specification, age and mileage as the one that needs replacing.
Return to invoice (RTI) is suitable for cars that were leased brand new. It pays the difference between the insurance pay-out and the original value of the car. If your car is declared a total loss, the difference between your insurer’s payment and the cost of your vehicle when you bought it is covered, including any outstanding finance.
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