DEALERPARTNERDIRECT
Frequently Asked Questions

SHOW/HIDEGAP / Return To Invoice (RTI)

What is Return to Invoice Insurance (RTI)?
If your car is a total loss due to theft, fire or write off this policy will usually pay the difference between the total loss amount you receive from your motor insurance and the price you originally paid for the car.

What is GAP Insurance?
If your car is a total loss due to theft, fire or write off and you took a secured finance agreement out to fund the purchase of your vehicle, this policy will usually pay the difference between the total loss amount you receive from your motor insurance and the early settlement figure quoted by your finance company.

What is a "Total Loss"?
When an insured person has claimed under their comprehensive and/or fire and theft motor insurance policy and the claim has been settled, with the vehicle forfeited and a total loss payment made.

Is there a maximum amount GAP or RTI will pay?
We offer a selection of claim limits suited to the value of the vehicle you are purchasing. We will detail the claim limit when recommending a product for purchase.

Can you give me an example of how RTI works?
If you paid £12000 for your car and your motor insurance payout is £8750, RTI can pay the difference of £3250 to top it up to the original £12000. It’s that simple!

Do I Need GAP or RTI If I Have New For Old Insurance?
New for old replaces like for like, so your insurer will source your current model from the cheapest place. Wouldn’t you prefer the latest model or perhaps even a completely different car?  Don’t forget, after the first year you will not only lose the limited new for old cover your insurer offers - you will be unable to purchase RTI as it can’t be taken a year after purchase.  So yes, RTI is definitely still of value if you have "New for Old" from your Motor Insurer.

How long will Gap or RTI cover last?
Your Gap Insurance Cover is available for three years, or when you sell or transfer ownership of the vehicle, whichever is the sooner.

Can it be transferred if I sell the car?
Unfortunately not, the insurance only covers the original purchaser. 

Must I be the Policy Holder for the Motor Insurance Policy?
No, but to take out the Gap Car Insurance you must be a named driver on the vehicles Motor Insurance Policy..

What is the claims procedure?
Simply contact the claims department who will send you the claims pack outlining the information required to process your claim.  

Who Insures and Re-Insures the policy?
Hitachi Capital Insurance Europe Limited. Hitachi are the 26th largest corporation in the world.

It’s Unlikely My Car Will Be Written Off?
As you are aware cars are very safe, designed to crumple in the event of impact - unfortunately this results in more vehicles becoming total loss. OVER 500,000 VEHICLES BECOME TOTAL LOSS’S EACH YEAR

My car is fitted with a “state of the art” alarm system.
When was the last time you rushed to the sound of a car alarm? CAR CRIME IS 30% OF ALL CRIME

Is RTI good value for money?
Take a look at the following example to help you decide.
Your car is stolen or written-off after 18 months:  The Purchase Price was £10,000:  Insurers depreciate the car to £5250:  Your RTI Top-up policy pays out £4750
Most people pay at least £400 a year for Motor Insurance, so three years cover would cost around £1200. In our example the insurance company paid just £5250, do you perceive this as good value for money? £1200 for a claim of £5,250!
Your RTI Top up paid £4750, which one looks better value?

Can the RTI insurance still be purchased when the car was bought for cash (i.e. no finance
involved)?
Absolutely yes. The policy relates the difference between the amount your insurance company pay and how much you originally paid for the car. Therefore it is as beneficial to cash Customers as it is finance customers.

Would your Gap or RTI still pay out if the driver was under the influence of alcohol?
Yes you would be covered under the policy, but only if the driver was within the legal limit for alcohol consumption.

I won't be keeping my car for three years, can you offer me a one or two year policy?
There would be very little money to be saved by reducing the term to one or two years as newer cars are rated as being more likely to be stolen and therefore pose a greater risk.

Do you supply Return to Invoice and Gap Insurance for Commercial Vehicles?
We can offer Return to Invoice Gap Insurance on commercial vehicles.

Is the "claim Limit" the total amount of the claim including what the insurers pay or is it the difference between what Insurers pay out and the original amount paid for the vehicle?
Return to Invoice Gap Insurance pays the difference between the amount your Motor Insurance pays in the event of a total loss, and the amount you originally paid for the car (or Glass’ Guide retail value at the time of purchase). The claim limit is the maximum amount the Gap Insurance will pay in the event of a claim.

Will your Return to Invoice Gap Insurance always pay out if the Motor Insurance honours the claim?
The policy terms and conditions state "We will pay the financial shortfall between the amount you receive from your Motor Insurance policy and Purchase Invoice of the Vehicle, as confirmed in the invoice of sale" so effectively if the motor insurance pay out Return to Invoice Gap Insurance will also pay out.

Can I pay for Gap and RTI Gap Insurance by monthly instalments?
Yes, we have a 0% interest premium funding facility which our representative will be happy to discuss with you. You could of course alternatively pay for the insurance indirectly on a monthly basis by paying with your credit card.

I am unclear about when the date of purchase of my new car is defined.  Is it the date I ordered the car or the date I collected the car from the dealer?
For the purpose of Return to Invoice Gap Insurance the date of purchase is the date you collected the car.

Is Return to Invoice and Gap Insurance for new cars or can it be used for used cars too?
Our Return to Invoice Gap Insurance is available for cars that are up to 7 years old at the "start" of policy.

Are your premiums one off for three years cover or the cost for each year?
The premiums are the total cost to you for three years Return to Invoice Gap Insurance. A one-off payment that can be made by credit card, debit card or premium funding option.

The RTI or Gap insurance is in my name, will a claim be honoured if the car was involved in an accident while being driven by some-one else?
As long as the driver of the car is a named driver on your comprehensive motor insurance then RTI or GAP Insurance will honour a valid claim.

Would Gap or RTI still pay out if the driver were convicted of driving without due care and attention?
Like most Motor Insurance policies our Return to Invoice Gap Insurance will pay out if the driver were convicted of driving without due care and attention.

Can I buy RTI or Gap Insurance if I purchased my car from a private seller?
Unfortunately not, to qualify for our cover you must source your car from a Dealer Partner Direct introducer dealership eg. Garage, Contract Hire Company, Leasing Company.  

SHOW/HIDESMART Repair Insurance

What does Smart cover?
Chips, Scuffs, Minor dents and light scratches not exceeding 15cm in diameter and where such panel has not been ripped, perforated or torn. Minor repair damage means chips (not exceeding 1.5mm in diameter), minor dents and light scratches to your vehicle during the period of insurance caused by day to day motoring.

How long is the work guaranteed for?
3Years

Do I have to take my car to a body shop to get the repairs done?
No. The repair can be carried out at a place of your convenience e.g. your home or work address.

Is there a limit of how many times I can claim?
Unlimited claims up to £3000.

What is not covered?
Panel replacement, stickers, decals, beading, mouldings, liability cover, wheels, replacement of bumpers and any work which needs to be carried out in a bodyshop.

How do I make a claim?
Telephone the claims line on 0870 766 2786. Have your policy type and number ready, full details of the damage and confirmation that the damage is within the parameters of the policy template (15cm diameter)

How do I cancel my policy and does it cost me anything?
If cancelled within 14 days of receipt of your policy book, Autoprotect (MBI) Ltd will charge you an admin fee of £35. An additional fee may be charged by your dealer. This Policy has no surrender value and no premium paid will be refunded after 14days.

What if I have a complaint?
If you wish to register a complaint contact your supplying dealer or alternatively the policy administrator AutoProtect (MBI) Ltd.

Telephone:  0870 766 6667                
Post:    AutoProtect (MBI) Limited, Cambridge House,
Cambridge Road, Harlow, Essex CM20 2EQ

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (FOS).

SHOW/HIDESMART + Alloy Wheel Repair Insurance

What does Smart Plus cover?
Chips, Scuffs, Minor dents and light scratches not exceeding 15cm in diameter and where such panel has not been ripped, perforated or torn. Minor repair damage means chips (not exceeding 1.5mm in diameter), minor dents and light scratches to your vehicle during the period of insurance caused by day to day motoring. Plus alloy wheel scuffs and kerbing.

How long is the work guaranteed for?
3Years

Do I have to take my car to a body shop to get the repairs done?
No. The repair can be carried out at a place of your convenience e.g. your home or work address.

Is there a limit of how many times I can claim?
Unlimited claims up to £3000.

What is not covered?
Panel replacement, stickers, decals, beading, mouldings, liability cover, replacement of bumpers and any work which needs to be carried out in a bodyshop. Chrome effect finish or split rim construction wheels.

How do I make a claim?
Telephone the claims line on 0870 766 2786. Have your policy type and number ready, full details of the damage and confirmation that the damage is within the parameters of the policy template (15cm diameter)

How do I cancel my policy and does it cost me anything?
If cancelled within 14 days of receipt of your policy book, Autoprotect (MBI) Ltd will charge you an admin fee of £35. An additional fee may be charged by your dealer. This Policy has no surrender value and no premium paid will be refunded after 14days.

What if I have a complaint?
If you wish to register a complaint contact your supplying dealer or alternatively the policy administrator AutoProtect (MBI) Ltd.

Telephone:  0870 766 6667                
Post:    AutoProtect (MBI) Limited, Cambridge House,
Cambridge Road, Harlow, Essex CM20 2EQ

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (FOS).

SHOW/HIDETyre Insurance

What is Tyre insurance?
This insurance will refund the cost of having to repair or replace a tyre or tyres that have suffered accidental, malicious damage or a puncture during the period of insurance.

Is there a maximum amount Tyre Insurance will pay?
Yes, there is a claim limit set out in your policy details per tyre, per claim and cover is for a maximum of 5 tyres in 3 years.

How long will Tyre Insurance last?
Cover is for three years, or when you sell or transfer ownership of the vehicle, whichever is the sooner.

Can it be transferred if I sell the car?
Unfortunately not, the insurance only covers the original purchaser. 

What is the claims procedure?
Should you experience a problem with your tyres, please contact our claims department who will advise you where to take the vehicle The repairer must contact our claims department to request a claims authority number before replacing or repairing the tyre.

Are your premiums chargeable annually or as a one-off?
The premiums are the total cost to you for the full period. A one-off payment can be made by debit card, credit card or you may consider using our premium funding product, ask for further details.

SHOW/HIDEKey Insurance

To follow

SHOW/HIDEMOT Insurance

What is MOT insurance?
If your vehicle fails an MOT it can be stressful and costly, especially when you expected it to pass. We have designed our MOT Insurance to assist you with the cost of the repairs required in order for your vehicle to pass its MOT test. 

Is there a maximum amount MOT Insurance will pay?
Yes, a claim limit is set out in the policy details.

How long will MOT Insurance last?
Cover is for one MOT test, or when you sell or transfer ownership of the vehicle, whichever is the sooner.

Does it cover parts and labour?
Yes, it covers parts, labour and VAT up to the claim limit.

I’ve just missed my MOT date, what should I do?
No problem, you have 30 days either side of the actual MOT due date to make a valid claim.

Can it be transferred if I sell the car?
Unfortunately not, the insurance only covers the original purchaser.

What is the claims procedure?
Should your vehicle fail its MOT, the repairer must contact our claims department with the repair details to request a claims authority number before the repair is commenced.

Are your premiums chargeable annually or as a one-off?
The premiums are the total cost to you for the full period. A one-off payment can be made by debit card, credit card or by using our premium funding product

SHOW/HIDEMechanical Breakdown Insurance

What is Mechanical Breakdown Insurance?
This covers the insured components on your vehicle against a mechanical breakdown as defined in the policy document.

Is there a maximum amount Mechanical Breakdown Insurance will pay?
The policy will pay up to the maximum claim limit stated in you policy document.

How long will Mechanical Breakdown Insurance last?
Cover is for one, two or thee years according to the chosen term.

Can it be transferred if I sell the car?
Yes, the cover is transferrable to the new owner once a nominal administration/ transfer charge has been paid.

What is the claims procedure?
Should you experience a problem with your vehicle, please contact our claims department who will be happy to advise you of your nearest nominated repairer. Once the fault has been diagnosed the repairer must contact our claims department with the repair details to request a claims authority number before the repair is commenced.

Are your premiums chargeable annually or as a one-off?
The premiums are the total cost to you for the full period. A one-off payment can be made by debit card, credit card or you may consider using our premium funding product, ask for further details.

SHOW/HIDEGard X

How long does Gard X last?
Gard X protects your car for 8 years.

What does Gard X protect against?
Gard X will protect against acid rain, road salt, detergent, tree sap, industrial fallout and the dreaded bird droppings not forgetting the suns powerful UV rays.

What kind of protection do I get?
Your exterior, interior is protected. Also you get a unique glass guard, mist guard and leather guard.

What external protection do I get?
Two stage process where at stage 1 a pre-sealant is applied to penetrate the molecules of the paintwork. 2nd stage permanently bonds stage 1 creating a protective coating on the paintwork like a second skin.

Do I have to do anything after the exterior protection is applied?
Apply a conserver once a month which is formulated from stage 1 and 2.

What interior protection do I get?
Stain guard is the state of the art formulation which coats each individual fibre with an invisible barrier that protects against liquid spills, dirt, grease and oil.

But I have Leather seats?
Gard X has an exclusive leather treatment which seals your leather, protects it against stains, dirt and liquid spills as well as keeping your leather moisturised.

How will Glass Guard help me?
It creates a far safer driving environment by coating the windscreen with a formulation which repels rain causing it to bead and aerodynamically run off. Gard x protects the “Bat out of hell” race boat in the V24 Offshore Powerboat Championships.

What is Mist Guard?
Mist Guard helps prevent mist or moisture forming on the inside of the windscreen creating a much safer driving environment.

Where can I buy more conserver??
www.gardx.co.uk