ALA is the best GAP Insurance Provider in the UK whose policies provide the best coverage, rates and deals online.
Premiums can all look fairly similar, except perhaps for dealers, who all seem determined to rip customers off with excessively high premiums.
It is the standard features of our policies and the additional services we provide that add value to an ALA GAP Insurance policy.
Transfer is of unused premium on a pro rata basis and is used as a discount on a new policy
We do not charge any admin fees for this, or for any amendments to your policy
Other providers will not transfer, or if they do, they will charge you to do so
| A | |
| Vehicle Invoice Price | |
| £20,000 | |
| B | |
| Less Insurance Settlement | |
| £10,000 | |
| C | |
| = GAP Claim | |
| £10,000 | |
| D | |
| Market Value – Glass’s Retail | |
| £12,000 | |
| E | |
| ALA GAP pays C (A-B) | |
| £10,000 | |
| Customer advantage with ALA policy = | |
| £2,000 |
| A | |
| Vehicle Invoice Price | |
| £20,000 | |
| B | |
| Less Insurance Settlement | |
| £10,000 | |
| C | |
| = GAP Claim | |
| £10,000 | |
| D | |
| Market Value – Glass’s Retail | |
| £12,000 | |
| E | |
| Market Value GAP pays only A-D | |
| £8,000 | |
| Customer disadvantage with Non-ALA policy = | |
| £2,000 |
There are no maximum value clauses in ALA policies
Some GAP policies will cap their settlement to 105-110% of the Glass’s Guide Retail price. You might have paid more than the Glass’s Guide value of your car, perhaps because it is a desirable model
If a GAP policy has a maximum value clause you might not see this reflected in your settlement, which could leave you with less than you originally paid for your car
We give you 120 days to make a claim – it could easily slip your mind in the circumstances
Our competitors may only give you 30 days
The Financial Conduct Authority (FCA) regulate the insurance industry and to protect the consumer
The Financial Services Compensation Scheme (FSCS) is there to ensure your policy is protected against the failure of the insurance underwriter and pay out in the event of a claim
We are authorised and regulated and your policy is protected in this manner
Recommended by
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Cycle Insurance
