{"id":704,"date":"2015-02-19T15:48:43","date_gmt":"2015-02-19T15:48:43","guid":{"rendered":"https:\/\/gapinsurance.co.uk\/blog\/?p=704"},"modified":"2026-02-12T13:48:45","modified_gmt":"2026-02-12T13:48:45","slug":"when-replacement-gap-insurance-isnt","status":"publish","type":"post","link":"https:\/\/gapinsurance.co.uk\/blog\/2015\/02\/19\/when-replacement-gap-insurance-isnt\/","title":{"rendered":"Enhanced Replacement GAP Insurance Cover"},"content":{"rendered":"<p>In the event of your vehicle being declared a Total Loss (written off) due to accident, fire or theft, your Motor Insurer will only pay you what they think the vehicle is worth at the time of loss.<\/p>\n<p>Replacement GAP insurance will then pay the difference between your Motor Insurance payout and what it would cost to replace the vehicle at the time of claim with one of the same\u00a0 Make, Model, Age, Mileage and Specification (or nearest equivalent) as the original was at the time you first bought it.<\/p>\n<p>In some cases, this could be detrimental if the Replacement Vehicle at the time of claim is available on sale for less than the original vehicle was bought for.\u00a0 Detrimental&#8230; because an Invoice GAP insurance policy covering the original purchase price would have provided a greater payout.<\/p>\n<h2>The answer&#8230;<\/h2>\n<p>Today we&#8217;ve updated our Replacement GAP insurance policy terms and conditions so that now, in the event of a claim, the policy will pay the difference between your Motor Insurance payout and <span style=\"text-decoration: underline;\"><strong>the greater of<\/strong><\/span>:<\/p>\n<ul>\n<li>The difference between the Insured Value and the price of a Replacement Vehicle.<\/li>\n<\/ul>\n<p style=\"padding-left: 30px;\"><span style=\"text-decoration: underline;\"><strong>OR<\/strong><\/span><\/p>\n<ul>\n<li>The difference between the Insured Value and the purchase price that you paid for your original vehicle.<\/li>\n<\/ul>\n<p>This means that in the event that the Replacement Vehicle at the time of claim, is available for LESS than you bought your original vehicle for, we&#8217;ll at least get you back up to the original purchase price.<\/p>\n<ul>\n<li><a title=\"GAPInsurance.co.uk\" href=\"https:\/\/gapinsurance.co.uk\" target=\"_blank\" rel=\"noopener noreferrer\">Click here<\/a> to find out more about GAP Insurance in general.<\/li>\n<li><a title=\"Replacement GAP insurance\" href=\"https:\/\/gapinsurance.co.uk\/replacement-gap-insurance.asp\" target=\"_blank\" rel=\"noopener noreferrer\">Click here<\/a> to find out more about Replacement GAP insurance<\/li>\n<li><a title=\"Contact Us\" href=\"https:\/\/gapinsurance.co.uk\/contact-us.asp\" target=\"_blank\" rel=\"noopener noreferrer\">Click here<\/a> if you&#8217;d like to ask us any questions about our GAP insurance<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>In the event of your vehicle being declared a Total Loss (written off) due to accident, fire or theft, your Motor Insurer will only pay you what they think the vehicle is worth at the time of loss. Replacement GAP insurance will then pay the difference between your Motor Insurance payout and what it would [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,6],"tags":[],"class_list":["post-704","post","type-post","status-publish","format-standard","hentry","category-gap-insurance","category-replacement-gap-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>Enhanced Replacement GAP Insurance Cover<\/title>\r\n<meta name=\"description\" content=\"Our Replacement GAP insurance now protects up to the greater of your vehicle\u2019s replacement cost or original purchase price in the event of a total loss.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" 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