Vehicle Purchase Date:	Day 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Month January February March April May June July August September October November December Year 2006 2007 2008 2009 2010 2011 2012 2013 2014

Return to Invoice is an optional upgrade to your Gap Insurance, available for cars up to 7 years old bought from a vat registered motor dealer in the last 90 days. If your car’s stolen or damaged beyond repair the combined benefit of Return to Invoice upgrade together with our Gap Insurance pays the difference between your motor insurers’ settlement and your motor dealers invoice price. EXAMPLE: Amount Paid for Car (Invoice Price) £ 16,000 Value of your car at Total Loss £ 10,000 Combined Gap Insurance Payout £ 6,000 That’s right; we send you a cheque for £6,000! We pay the depreciation all the way back to the invoice price, your motor insurer doesn’t. Think of it as an incredibly valuable top-up to your Motor Insurance. NOTE: Whilst the Gap Insurance policy provides the most essential protection against car depreciation, and is available for cars purchased privately or from a dealer any time in the last 7 years, the Return to Invoice upgrade is only available if you bought your car (new or used) in the last 90 days from a vat registered motor dealer. CLICK HERE FOR MORE EXAMPLES AND DETAILED INFORMATION Close

Vehicle Purchase Date:	Day 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Month January February March April May June July August September October November December Year 2006 2007 2008 2009 2010 2011 2012 2013 2014

Finance Shortfall Upgrade is an optional upgrade to your Gap Insurance, available for cars up to 7 years old bought from a vat registered motor dealer in the last 90 days. Don't be caught out if the amount you need to settle your finance agreement is more than the value of your car. Finance shortfall upgrade pays up to £5000 if your finance settlement is greater than the Value of your car Invoice price (if Return to Invoice upgrade purchased) Cost of a replacement new car (if New Car Replacement upgrade purchased) This means you benefit from both Gap Insurance and Financial Shortfall GAP in one product! EXAMPLE: Car Value £ 15,000 Amount of Loan £ 15,000 Early settlement at time of loss £ 16,700 Motor Insurance Settlement £ 11,500 Gap Insurance Benefit £ 3,500 Finance Shortfall Benefit £ 1,700 Combined Gap Insurance Payout £ 5,200 That’s right; we send you a cheque for £5,200! We pay the depreciation PLUS the finance shortfall. NOTE: Whilst the Gap Insurance policy provides the most essential protection against car depreciation, and is available for cars purchased privately or from a dealer any time in the last seven years, the Finance Shortfall upgrade is only available if you bought your car (new or used) in the last 90 days from a vat registered motor dealer. CLICK HERE FOR MORE EXAMPLES AND DETAILED INFORMATION Close

Vehicle Purchase Date:	Day 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Month January February March April May June July August September October November December Year 2006 2007 2008 2009 2010 2011 2012 2013 2014
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New Car Replacement is an optional upgrade to your Gap Insurance, available if you bought your car from a vat registered motor dealer in the last 90 days. If your car’s stolen or damaged beyond repair the combined benefit of New Car Replacement upgrade together with the Gap Insurance pays the difference between your motor insurers’ settlement and the cost of a brand new replacement car, even if the list price has increased! EXAMPLE: Amount paid for car £ 15,000 Motor Insurers Settlement £ 11,500 List Price of brand new replacement car £ 17,000   Gap Insurance benefit £ 3,500 New Car Replacement Upgrade benefit £ 2,000 Combined Gap Insurance Settlement £ 5,500 That’s right; we send you a cheque for £5,500! We pay the depreciation all the way back to the cost of a brand new replacement car, your motor insurer doesn’t. Think of it as an incredibly valuable top-up to your Motor Insurance. NOTE: Whilst the Gap Insurance policy provides the most essential protection against car depreciation, and is available for cars purchased privately or from a dealer any time in the last seven years, the New Car Replacement upgrade is only available if you bought your car in the last 90 days from a vat registered motor dealer, it is under 3 months old, covered less than 500 miles and you or your partner are the first registered keeper. CLICK HERE FOR MORE EXAMPLES AND DETAILED INFORMATION Close

Motor Insurance Excess Buster is an optional upgrade to your Gap Insurance. If your car is stolen or damaged beyond repair, your motor insurance is designed to pay the value of your car on the date of total loss – not what it was worth at the start of your policy. The Gap Insurance policy pays the difference between your motor insurers’ settlement and the value of your car today. In other words we pay the amount you lost in depreciation. Think of it as an incredibly valuable top-up to your Motor Insurance. Our Gap Insurance does not deduct any excess, most motor insurers do. In response to customer feedback, we have introduced the optional “Excess Buster” upgrade which refunds up to £1000 of the excess deducted by your motor insurer.Now you don’t have to pay any excess in the event of a total loss! EXAMPLE: Car Value Today £ 15,000 Motor Insurance total loss value £ 11,500 Less Excess £ 500 Net motor insurance settlement £ 11,000 Gap Insurance Benefit £ 3,500 Excess Buster settlement £ 500 Combined Gap Insurance Payout £ 4,000 That’s right; we send you a cheque for £4,000! We pay the depreciation PLUS the excess deducted by your motor insurer. CLICK HERE FOR MORE EXAMPLES AND DETAILED INFORMATION Close

Inconvenience Compensation is an optional upgrade to your Gap Insurance. If your car is stolen or damaged beyond repair, your motor insurance is designed to pay the value of your car on the date of total loss – not what it was worth at the start of your policy. The Gap Insurance policy pays the difference between your motor insurers’ settlement and the value of your car today. In other words we pay the amount you lost in depreciation. Think of it as an incredibly valuable top-up to your Motor Insurance. But we don’t stop there, now you can also protect yourself against unforeseen uninsured expenses. Car hire while your waiting for your motor insurer to calculate your claim, shopping or golf clubs in the boot, handbag on the seat, CD’s, kids school uniform or a gym kit that needs replacing are just a few examples of how you can still end up seriously out of pocket. If you select the unique Inconvenience Gap optional upgrade, we will pay a fixed amount of £500 directly to you on top of your Gap Insurance benefit if your car’s stolen or written off. We don’t even ask for receipts or proof of purchase! If you didn’t incur any additional costs – you simply end up £500 better off! EXAMPLE: Car Value Today £ 15,000 Motor Insurance total loss value £ 11,500 Gap Insurance Benefit £ 3,500 Inconvenience Gap settlement £ 500 Combined Gap Insurance Payout £ 4,000 That’s right; we send you a cheque for £4,000! We pay the depreciation PLUS a fixed amount of £500. CLICK HERE FOR MORE EXAMPLES AND DETAILED INFORMATION Close

Vehicle Purchase Date:	Day 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Month January February March April May June July August September October November December Year 2006 2007 2008 2009 2010 2011 2012 2013 2014

Contract Hire is an optional upgrade to your Gap Insurance, available if you obtained your car from a vat registered motor dealer in the last 90 days. Many contract hire lease agreements have stringent penalty clauses for early termination, sometimes as much as 50-70% of the remaining rentals. If your car’s stolen or damaged beyond repair the combined benefit of Contract Hire upgrade together with the Gap Insurance pays the difference between your motor insurers’ settlement, the value of your car when you purchased this insurance PLUS, if the termination charge of the contract hire / lease agreement is greater than the value of your car when you purchased this insurance, we will pay the additional shortfall ensuring you are not out of pocket. EXAMPLE: Car Value Today £ 15,000 Motor Insurance total loss value £ 11,500 Contract Hire/Lease termination charge £ 18,000 Gap Insurance Benefit £ 3,500 Contract Hire Upgrade Benefit £ 3,000 Combined Gap Insurance Payout £ 6,500 That’s right; we send you a cheque for £6,500! We pay the depreciation PLUS additional termination charges - your motor insurer doesn’t. Think of it as an incredibly valuable top-up to your Motor Insurance. NOTE: Whilst the Gap Insurance policy provides the most essential protection against car depreciation, and is available for cars purchased privately or from a dealer any time in the last seven years, the Contract Hire upgrade is only available if you bought your car (new or used) in the last 90 days from a vat registered motor dealer. If the monthly rental exceeds £1,000 per month excluding VAT then this policy will not operate. Maximum benefit of Contract Hire upgrade is £5,000 CLICK HERE FOR MORE EXAMPLES AND DETAILED INFORMATION Close

Dealer Fitted Accessories is an optional upgrade to your Gap Insurance, available if you bought your car from a vat registered motor dealer in the last 90 days. Just like your motor insurance, Gap Insurance includes protection for the cost of factory fitted extras such as metallic paint, leather etc. However, until now it hasn’t been possible to include cover for the accessories fitted by your supplying dealer such as alloy wheels. In response to customer feedback, we have taken the innovative step of introducing the valuable option to include protection for up to £1000 worth of the accessories fitted by the supplying dealer. So don’t be caught out by your motor insurers’ exclusions. EXAMPLE: Car Value Today £ 15,000 Motor Insurance Settlement £ 11,500 Gap Insurance Benefit £ 3,500 Dealer Fitted Accessories £ 825 Combined Gap Insurance Payout £ 4,325 That’s right; we send you a cheque for £4,325! We pay the depreciation PLUS the Dealer Fitted Accessories benefit. NOTE: Whilst the Gap Insurance policy provides the most essential protection against car depreciation, and is available for cars purchased privately or from a dealer any time in the last seven years, the Dealer Fitted Accessories upgrade is only available if you bought your car (new or used) in the last 90 days from a vat registered motor dealer. CLICK HERE FOR MORE EXAMPLES AND DETAILED INFORMATION Close

Gap Insurance and the unique policy upgrades are now all available for cars used for Taxi purposes (not suitable for black cabs). When you get your quote, simply select the term, appropriate vehicle value and the optional upgrades required. If your car is used for Taxi purposes just add "Taxi" and all the benefits will be extended to include protection for cars used as a Taxi. It's that simple! The premium due will of course depend on the value of your car, term and the upgrades you select, but our quote page keeps it simple as it calculates this for you as you create your policy. Our Gap Insurance policy provides the most essential protection against car depreciation. Think of it as an incredibly valuable top-up to your Motor Insurance. If your car is stolen or damaged beyond repair, your motor insurance is designed to pay the value of your car on the date of total loss - not what it was worth at the start of your policy. Gap Insurance pays the difference between your motor insurers' settlement and the value of your car today. In other words we pay the amount you lost in depreciation. EXAMPLE: Value of your car today £ 15,000 Value of your car at Total Loss £ 11,500 Gap Insurance Benefit £ 3,500 That's right; we send you a cheque for the £3,500 you lost in depreciation! We pay the depreciation, your motor insurer doesn't! Think of it as an incredibly valuable top-up to your Motor Insurance. CLICK HERE FOR MORE EXAMPLES AND DETAILED INFORMATION Close

Gap Insurance and the unique policy upgrades are now all available for cars used by a registered driving school and/or self employed driving instructor. When you get your quote, simply select the term, appropriate vehicle value and the optional upgrades required. If your car is used for Driving Instruction purposes just add "Driving School" and all the benefits will be extended to include protection for cars used by a registered driving school or self employed driving instructor. It's that simple! The premium due will of course depend on the value of your car, term and the upgrades you select, but our quote page keeps it simple as it calculates this for you as you create your policy. Gap Insurance policy provides the most essential protection against car depreciation. Think of it as an incredibly valuable top-up to your Motor Insurance. If your car is stolen or damaged beyond repair, your motor insurance is designed to pay the value of your car on the date of total loss - not what it was worth at the start of your policy. Gap Insurance pays the difference between your motor insurers' settlement and the value of your car today. In other words we pay the amount you lost in depreciation. EXAMPLE: Value of your car today £ 15,000 Value of your car at Total Loss £ 11,500 Gap Insurance Benefit £ 3,500 That's right; we send you a cheque for the £3,500 you lost in depreciation! We pay the depreciation, your motor insurer doesn't! Think of it as an incredibly valuable top-up to your Motor Insurance. CLICK HERE FOR MORE EXAMPLES AND DETAILED INFORMATION Close