GAP Insurance - Terms & Conditions

This contract is designed to meet your requirements in the event that your motor vehicle is declared a total loss during the period of insurance or you have been involved in a non-fault motor accident. We will cover any private motor vehicle or a light commercial vehicle up to a gross unladen weight of 3.5 tones provided the vehicle is registered and principally used in the UK, having a maximum purchase price up to £175,000 (including factory fitted accessories), which is less than eight years old and has covered less than 80,000 miles on the date of purchase of your policy.

Making a claim

To obtain assistance under this policy you should contact the Emergency numbers listed and provide the following:

  • Your name and address
  • Your policy number from the insurance schedule
  • Details in respect of your total loss or non-fault motor claim

How to cancel the policy

The policy will continue for the period specified in the policy schedule. You have certain rights to cancel the policy. If this policy does not provide the cover you need or you wish to cancel for any other reason you should contact Lifestyle Insurances Northern Ireland directly.

You will have a period of 30 days from the inception of the policy to receive a full refund provided no claim has been made. Thereafter, you may cancel your policy in writing at any time and receive a pro rata refund of your premium based on the number of whole months remaining subject to the deduction of your insurer retention fee of £45.

If you move home or change your vehicle

You are responsible for informing Lifestyle Insurances Northern Ireland if you change your vehicle to ensure a transfer of cover can be processed, likewise you should advise Lifestyle Insurances Northern Ireland of any change of address.

How can I complain?

If you have a complaint, please phone or write Lifestyle Insurances Northern Ireland directly. Every effort will be made to resolve your complaint to your satisfaction. If your complaint relates to the insurance cover provided under this policy and it is not resolved to your satisfaction, then you may have the right to report the matter to the Financial Ombudsman Service. We will give you information about reporting your complaint to the Financial Ombudsman Service if you remain dissatisfied.

Your contract with the insurer

You must co-operate with the insurer in obtaining reimbursement of any costs that incur under the terms of this cover, which may have been caused by the action of a third party against whom you have a legal right of action.

Compensation scheme:

Ageas Insurance Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme, if they cannot meet their obligations. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 90% of the claim with no upper limit. You can get more information about compensation scheme arrangements from the FSCS (http^/

Data protection:

Please note that any information provided to Us will be processed by Us and our agents in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties. We may also send the information in confidence for process to other companies acting on their instructions including those located outside the European Economic Area this may involve the transfer of your information to countries which do not have Data Protection laws.

Any personal information provided by You may be held by the insurer in relation to Your insurance cover. It may be used by Our relevant staff in making a decision concerning Your insurance and for the purpose of servicing Your cover and administrating claims. Information may be passed to loss adjusters , solicitors, reinsurers or other service providers for these purposes. We may obtain information about You from credit reference agencies, fraud prevention agencies and others to check Your credit status and identity. The agencies will record our enquiries, which may be seen by other companies who make their own credit enquiries. We will check Your details with fraud prevention agencies. If You provide false or inaccurate information and we suspect fraud, We will record this.

We and other organisations may use these records to:

  1. supply accurate and complete answers to all the questions we or the administrator may ask as part of your application for cover under the policy;
  2. to make sure that all information supplied as part of your application for cover is true and correct.
  3. tell us of any changes to the answers you have given as soon as possible.

Failure to provide answers in-line with the requirements of the Act may mean that Your policy is invalid and that it does not operate in the event of a claim.