Combined Guaranteed Asset Protection (GAP)

Protect your vehicle against the unknown

Combined GAP from Listers

Do you know how much you would get from your insurance policy if your vehicle was declared a write-off due to an accident, fire or theft?

Even with comprehensive cover, if your vehicle is written off, your insurance company only pay out the market value of your vehicle at the time of the write-off - and because vehicles depreciate over time, this may not cover the cost of your outstanding finance.

That’s where Listers Combined GAP Cover can help

Purchased your vehicle by cash?

Listers Combined GAP Cover makes up any shortfall from what your insurance company pay out (or the market value of the vehicle, if greater) and the purchase price of the vehicle.

Purchased your vehicle on Contract Hire?

Listers Combined GAP Cover makes up any shortfall between the total loss settlement by your motor insurer (or if greater, the market value) and the outstanding finance on your Contract Hire agreement.

Purchased your vehicle on Finance?

Listers Combined GAP Cover makes up any shortfall between the total loss settlement by your motor insurer (or if greater, the market value) and the greater of the two:

  • Outstanding finance on your vehicle (GAP)
  • Purchase price of your vehicle (Return to invoice)

Whether you’ve purchased your vehicle on finance, by cash or through Contract Hire, Listers Combined GAP cover is available for you.

View the terms and conditions and KeyFacts.

Vehicle Price Claim Limit Retail Price
Up to £10,000 PPOV* £185
£10,001 - £15,000 PPOV* £205
£15,001 - £25,000 PPOV* £245
£25,001 - £40,000 PPOV* £315
£40,001 - £75,000 PPOV* £370
£75,001 - £240,000 £50,000 £635

*Purchase Price of the Vehicle

COVERED AGAINST ANY SHORTFALL

Covering you against the shortfall bewteen the purchase price of the vehicle and what the insurance company pays out, or the outstanding finance settlement, whichever is greater.

DEALER FITTED ACCESSORIES COVERED

Our Combined GAP Protection will cover dealer fitted accessories up to £1,500.

ADDITIONAL DRIVERS COVERED

Any driver is covered whilst driving your vehicle, as long as they have the policyholder’s permission and have comprehensive motor insurance.

UP TO £250 EXCESS

In the event of a policy payout, the benefit will also include up to £250 excess for the Motor Insurance Policy.

Listers GAP Retailers

  • Exclusions apply: Any total loss due to your negligence or wilful behaviour. Certain types of vehicles cannot be covered (e.g. those used for hire or reward, or for any other competitive event; those over 350kg gross weight.

  • For full list of exclusions, view the terms and conditions and KeyFacts.