Gap Insurance

Gap insurance prevents you from suffering financial loss if your vehicle is written off.

Mercedes-Benz GAP (Guaranteed Asset Protection) Insurance is an optional product that bridges the gap between the original amount you paid for your vehicle and the amount an insurer will typically pay out on a claim. If your Mercedes-Benz is written-off, your insurer usually pays out the current market value of the car and, because of car depreciation, this can be considerably lower than the amount you originally paid. This could, therefore, affect the capital available to you when choosing a replacement vehicle.

Gap Insurance

The benefits of Mercedes-Benz GAP Insurance

  • Cover of up to £1,500 for dealer manufacturer fitted accessories.
  • Cover for vehicles up to 10 years old.
  • 90 day European cover per annum.
  • Up to £250 Motor Insurance Excess Cover.
  • Flexible policy length.

Considering gap insurance for your Mercedes-Benz? Contact our team today to discuss your requirements and the best options for you.

Contact us to discuss your insurance options.

How GAP works

What is Mercedes-Benz Combined GAP Insurance?

Mercedes-Benz Combined GAP Insurance offers you the opportunity to not incur a financial loss if your vehicle is written off and is not replaced by your motor insurer; when your motor insurer may only pay out the market value at the time of the loss.

If you purchase your Mercedes-Benz as a cash buyer?

Mercedes-Benz Combined GAP Insurance makes up any shortfall between your motor insurance settlement offer and the original purchase invoice price.

If you have chosen to finance your Mercedes-Benz?

Mercedes-Benz Combined GAP Insurance makes up any shortfall between your motor insurance settlement offer and the original purchase invoice price, or if greater the shortfall between the finance settlement.

What is Mercedes-Benz Lease GAP?

In the event of your vehicle being written off, Mercedes-Benz Lease GAP Insurance is designed to protect you against the risk of any shortfall in your lease agreement. Following the comprehensive motor insurance settlement, Mercedes-Benz Lease GAP Insurance will pay the difference between this and the cost to clear your lease agreement and help you start a new one.

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How GAP Insurance pays out

Combined GAP Insurance example

If you paid £18,500 for your vehicle and it is written off and your motor insurance company agree to pay out £12,000. Mercedes-Benz Combined GAP Insurance pay-out of £6,500 making up the shortfall between the price you originally paid.

Lease GAP Insurance example

Your vehicle is written off and your motor insurance company agree to pay out £12,000 but you still owe £18,500 on your lease agreement. Mercedes-Benz Lease GAP Insurance will pay-out of £6,500 to clear your lease agreement and help you start a new one.

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GAP features

View the GAP Insurance Flyer PDF to view the full product details.

Where can I purchase Mercedes-Benz GAP Insurance?

The product can be purchased via a participating Mercedes-Benz South West Retailer. For further information please contact your local site.

To make a claim

If you would like to report a claim for a policy that was purchased after March 2014, please contact Mercedes-Benz Claims Department on 01279 456 507.

If you purchased your policy before March 2014 please see the Mercedes-Benz FAQS.

To ensure your claim can be processed, please ensure you have the following details ready;

  • Your policy number
  • Vehicle registration
  • Current mileage

Open 9:00am – 5:00pm Monday to Friday and Saturday 9:00am – 12:00pm

Combined GAP Insurance and Lease GAP Insurance are accepted and underwritten by Lloyd’s Syndicate 1861 which is managed by AmTrust Syndicates Ltd on behalf of AutoProtect (MBI) Limited. AmTrust Syndicates Ltd, 47 Mark Lane, London EC3R 7QQ is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority. AutoProtect (MBI) Ltd is authorised and regulated by the Financial Conduct Authority. FCA No. 312143.