Why Choose Lifestyle

Gap Insurance

£25,000 claim limit

Motor Legal Expenses

10 day replacement car

Uninsured drivers excess payment up to £300

Lifestyle Insurances NI Gap Insurance plugs the hole in your Comprehensive Motor Insurance policy.

Motor insurers will pay the depreciated value at the time of the claim, not the original value at the time of purchase. So, if you buy a car and two years later it is declared a total loss as a result of an accident, fire or theft, your motor insurer offers to pay out only 50% of the amount you originally purchased the vehicle for, claiming that this is the current value of the vehicle that was written off.

At this point your Lifestyle Insurances Northern Ireland GAP insurance steps in and pays the difference between the Comprehensive Insurance Settlement and the Purchase Price of the insured vehicle as confirmed by the net invoice selling price, or if greater, the amount of your finance agreement early settlement.

We will also cover your motor insurance excess up to £250 and in the event of a non fault accident, you will automatically have the benefit of our Motor Legal Expenses policy plus the provision of a replacement vehicle for 10 days.