Car Insurance

Ensurance

Extended Warranty

Gap Insurance

ŠKODA Gap Insurance has been designed to help if your vehicle is written off through accidental or malicious damage, fire or theft. Whether you purchase, finance, lease or hire your vehicle, our Gap Insurance will give you the financial protection your ŠKODA deserves. 

ŠKODA Gap Insurance and ŠKODA Gap Insurance Plus are administered by Car Care Plan Limited and underwritten by Motors Insurance Company Limited.

If your ŠKODA is written off, your motor insurer will usually pay out based on the current market value of your vehicle. This could be a lot less than its original value and therefore may leave you with an unexpected shortfall.

Our Gap Insurance helps to cover the gap left by this shortfall to get you back in a new ŠKODA or help pay off any outstanding finance, lease or hire agreement.

ŠKODA Gap Insurance can be purchased up to 100 days after you have collected your new or used vehicle.

 

ŠKODA Gap Insurance

This pays the difference between the write off settlement from your motor insurer and the price you paid for your ŠKODA or the outstanding balance payable to the finance company, whichever is the greater amount.

If your vehicle is leased or hired, we will cover the difference between the write off settlement from your motor insurer and the early termination charge. This includes any rentals paid in advance as a deposit up to £2,000.  

Cover lasts for 36 months and the maximum claim limit is based on your vehicle purchase price.

In the above example, you could receive a £6,000 payment that you could use towards the purchase of a new ŠKODA.

 

ŠKODA Gap Insurance Plus

In addition to all the benefits of ŠKODA Gap Insurance, the ŠKODA Gap Insurance Plus policy includes a 12-month fixed benefit. This will start once your 36-month Gap Insurance cover ends.

If your vehicle is written off during the additional 12-month fixed benefit period of insurance, we will pay a fixed sum of £2,500.

Features and Benefits

ŠKODA Gap Insurance and ŠKODA Gap Insurance Plus give you the financial protection your vehicle deserves. So you can relax knowing that if you need to make a claim, we could help you get back into a replacement ŠKODA. 

Listed below are some of the the key product features and benefits. Please refer to the ŠKODA Gap Insurance and ŠKODA Gap Insurance Plus Cover Booklets for full terms and conditions.

Unlimited cover
for accessories

We provide unlimited cover for accessories fitted by your ŠKODA Retailer if your vehicle is written off during the 36-month Gap Insurance cover.

Motor insurer
excess cover

If your vehicle is written off during the 36-month Gap Insurance cover, we will pay your motor insurer’s excess up to £250.

No vehicle age or
mileage limitations

ŠKODA Gap Insurance has been designed to be available for as many ŠKODA drivers as possible. That’s why there are no vehicle age or mileage limitations.

European Union
cover included

You can rest assured that your vehicle is covered in the European Union and any other country shown on an International Motor Insurance Card (“Green Card”).

Advanced
rental cover

We will cover the advanced rentals up to £2,000 if you have a lease or hire agreement and your vehicle is written off during the 36-month Gap Insurance cover.

Payment
options

You can pay upfront or in 10 monthly instalments at no extra cost.

The benefit level and cost of ŠKODA Gap Insurance and ŠKODA Gap Insurance Plus will depend on the price of your new or used ŠKODA.

Vehicle price* Maximum benefit level ŠKODA Gap Insurance price** ŠKODA Gap Insurance Plus price**
£0-£50,000 Unlimited £359 £415
£50,001-£100,000 £50,000 £599 £655

*Includes VAT.
**Includes Insurance Premium Tax (IPT).

For more information or to arrange your ŠKODA Gap Insurance, please speak to your local Retailer.

Participating ŠKODA Retailers only.

To arrange your ŠKODA Gap Insurance or ŠKODA Gap Insurance Plus, please speak to your local ŠKODA Retailer. They will be happy to talk you through your options and find cover that’s right for you.

Participating ŠKODA Retailers only.

To download a copy of the ŠKODA Gap Insurance Cover Booklets, simply click on the appropriate link below.

ŠKODA Gap Insurance Cover Booklet

File size

2.9mb

ŠKODA Gap Insurance Plus Cover Booklet

File size

2.5mb

ŠKODA GAP Insurance Cover Booklet

File size

742kb

Return to invoice price GAP Insurance

File size

368kb

Return to invoice price and outstanding finance GAP Insurance

File size

368kb

Outstanding finance GAP Insurance

File size

367kb

Lease charges GAP Insurance

File size

367kb

Return to invoice price GAP Insurance

File size

372kb

Return to invoice price and outstanding finance GAP Insurance

File size

459kb

Outstanding finance GAP Insurance

File size

373kb

Lease charges GAP Insurance

File size

374kb

Return to invoice price GAP Insurance

File size

319kb

Return to invoice price and outstanding finance GAP Insurance

File size

333kb

Outstanding finance GAP Insurance

File size

320kb

Lease charges GAP Insurance

File size

326kb

Return to invoice price GAP Insurance

File size

316kb

Return to invoice price and outstanding finance GAP Insurance

File size

311kb

Outstanding finance GAP Insurance

File size

318kb

Lease charges GAP Insurance

File size

319kb

Return to invoice price GAP Insurance

File size

105kb

Return to invoice price and outstanding finance GAP Insurance

File size

233kb

Outstanding finance GAP Insurance

File size

227kb

Lease charges GAP Insurance

File size

107kb

Return to invoice price GAP Insurance

File size

316kb

Return to invoice price and outstanding finance GAP Insurance

File size

319kb

Outstanding finance GAP Insurance

File size

259kb

Lease charges GAP Insurance

File size

317kb

Please click on the questions below to reveal the answers for policies purchased after 1st January 2021 and administered by Car Care Plan Limited.

For policies purchased before 31st December 2020, please refer to your Cover Booklet for relevant information.

To be eligible for ŠKODA Gap Insurance and ŠKODA Gap Insurance Plus, you must:

  • be either the owner of your vehicle or have a finance agreement or lease agreement in relation to your vehicle or are the registered keeper of your vehicle;
  • be at least 18 years of age at the start date of this policy if you are a private individual or a sole trader;
  • be a resident within the United Kingdom for the period of insurance of this policy;
  • have applied for this insurance cover in the form approved by us;
  • have paid or agreed to pay the insurance premium for this policy;
  • agree to comply with the terms and conditions of this policy.

Your vehicle must:

  • be shown in Glass’s Guide;
  • be registered with us within 100 days of the original purchase date;
  • have been supplied to you by a ŠKODA Retailer;
  • be insured by a motor insurance policy providing comprehensive motor insurance to the full market value, not to trade cost or an agreed value.

For full eligibility criteria, please refer to your ŠKODA Gap Insurance Cover Booklet or speak to your local ŠKODA Retailer.

Participating ŠKODA Retailers only.

Yes, premiums can be paid in one upfront sum or interest free over 10 monthly instalments.

Please check your motor insurance policy for details of cover. Some motor insurers may provide a replacement vehicle if yours is written off however, this is different to Gap Insurance.

In the event that your vehicle is declared a total loss by the motor insurer, whereby the motor insurer has provided you with a replacement vehicle or your vehicle is replaced under a manufacturer's or ŠKODA Retailer's warranty, you may transfer this policy to the replacement vehicle subject to the following terms and conditions:

  • the total loss has occurred within 12 months of the start date of this policy; and
  • the replacement vehicle must have been provided by the motor insurer in settlement of a claim for the total loss of your vehicle; and
  • the start date of the policy will remain the same; and
  • the period of insurance will remain the same; and
  • you have not made a claim under your policy relating to your vehicle or motor insurance excess.

If you have taken out a finance agreement to purchase your vehicle, the purchase price of your original vehicle will be used to calculate any future claim under this policy, irrespective of whether the purchase price of the replacement vehicle is higher or lower than your original vehicle.

For full details on how to transfer your policy, please refer to your Cover Booklet.

If you consider your vehicle is likely to be declared a total loss, here’s what to do:

You will need to tell us within 120 days of your total loss occurring. When notifying us you will need to have the following information:

  • Your policy number; and
  • Your details as recorded on the schedule.

The Administrator may arrange for one of its representatives to visit you to help investigate your claim.

Important - Please contact the Administrator in order to register your claim prior to agreeing any settlement offer from your motor insurer. You should maintain any loan or finance payments that are due whilst your claim is being assessed by us.

For full details on how to make a claim, please refer to your Cover Booklet.

If there is a change to any of your details that you provided when setting up your policy, you should contact the Administrator as soon as possible.

We hope that you will be pleased with the service we provide. In the unlikely event of a complaint, you should contact the Administrator.

Please contact the ŠKODA Retailer from which you purchased your ŠKODA Gap Insurance policy, contact the Administrator or visit the Customer Portal (https://customerportal.skoda-insurance.co.uk) to get your replacement documents.

If this policy does not meet your needs, you have 30 days from the date you received your policy documents to cancel the policy and obtain a full refund. To cancel your policy within this 30-day period, please contact the ŠKODA Retailer who sold you your policy.

If you wish to cancel your policy after this 30-day period (during the 36-month Gap Insurance cover), you can cancel at any time and receive a pro rata refund, subject to a cancellation fee of £20.

Please note, if you have taken out ŠKODA Gap Insurance Plus and you cancel before the inception of the 12-month fixed benefit period of insurance, you will receive a full refund for the 12-month fixed benefit portion of your premium and a pro rata refund on the remaining duration of your 36-month Gap Insurance cover, subject to a cancellation fee of £20. If you cancel during the 12-month fixed benefit period of insurance, you can receive a pro rata refund on the 12-month fixed benefit portion of your premium (as detailed in your schedule), without a cancellation fee.

The percentage refund will be calculated from the date your request to cancel is received. An administration fee of £20 will be deducted from the calculated amount prior to any refund being paid.

To cancel your policy after 30 days of your cover start date, please contact the Administrator.

For full details about cancelling your policy, please refer to your Cover Booklet.