What are the Main GAP policy exclusions?
- Vehicles used without the required comprehensive vehicle insurance or for any purpose not listed in the accepted uses.
- Any loss exceeding the maximum limit (chosen by you and stated in the policy schedule).
- The salvage value of your vehicle if you get to keep it.
- The amount of any reduction in your vehicle insurance payout due to your own or any driver’s fault, your or any driver’s failure to comply with any of your vehicle insurance policy terms and conditions, or due to the vehicle’s condition.
- The amount of any unpaid premiums on your vehicle insurance policy.
- Any VAT charges if you’re a VAT-registered business.
- Loss of use of your vehicle or any other indirect consequences of the total loss.
If your vehicle insurance claim is denied for any reason or if your vehicle insurance policy is declared void and you don’t get a payout. - Costs associated with a new vehicle, like delivery fees, fuel, registration, taxes, plates or warranties.
- Any loss caused by or related to:
- Problems with computers or networks (e.g. hacking, viruses);
inability to use your computer, network, or data; - Unauthorised access to, processing, or storage of your data;
- Your inability to access or use your data;
- Threats or hoaxes related to the above points; or
accidents or mistakes involving computers, networks, or data.
- Problems with computers or networks (e.g. hacking, viruses);