Vehicles Covered and Eligibility?

You can apply for this insurance if at the cover start date and during the term of the policy:

• You are the registered owner or keeper of the motor vehicle.
• The motor vehicle has a comprehensive motor insurance policy from a UK-registered insurer in your name or in the name of an authorised driver throughout the coverage period. Note: Any motor trade insurance is excluded.
• The motor vehicle is not already insured for similar or equivalent loss such as GAP Insurance or any other insurance designed to pay you more than the total loss settlement paid to you under your motor insurance policy
• The motor vehicle isn’t subject to a contract hire or lease agreement.
• The vehicle has not been declared a total loss or write-off before.
• If your vehicle is a passenger car and/or light commercial vehicle shown in the Schedule, meant for private or business use on public roads, valued at up to £125,000 and weighing up to 3,500 kg. It must not exceed the manufacturer’s retail price or the price listed in Glass’s Guide for used vehicles.