Stockton Kia offers a range of Automotive Insurance Solutions products for your new or used car. These include GAP insurance, Cosmetic Repair Insurance and Tyre and Alloy insurance. These products are designed to provide you with peace of mind when purchasing your next car, in case the worst happens. When purchasing your next car from Stockton Kia, your sales executive will explain these products to you in detail at the time of purchase. If however, you would like to know more now, we have outlined each product below. 

GAP Insurance (Asset Protection)  

GAP Insurance can reinforce your own vehicle insurance and may provide the reassurance and financial support you need to get you back on the road.  

How does it work? If there is an incident that results in your vehicle being written off by accident, fire or theft; the payout from your motor insurer may be considerably less than the outstanding balance you owe to the finance provider.  

Most motor insurance companies use the market value of the vehicle on the day of the claim to determine the payout amount, any depreciation of the vehicle would be a loss incurred by you. This could leave you without a vehicle plus the responsibility of settling any outstanding finance or lease balance.

In the event of a total write off of the vehicle, GAP Insurance would pay a maximum benefit equal to the discrepancy between your insurance payout and the original purchase price of the vehicle, or if greater and on all lease policies, the amount you require to pay your early settlement amount. This insurance will also pay the excess deducted by your motor insurer.* 

* Terms, conditions and exclusions apply. Please refer to your policy documentation for full details.

Cosmetic Repair Insurance  

Cosmetic Repair Insurance is a minor damage repair service, designed to help keep your car in pristine condition and free from unavoidable chips, scratches, dents and scuffs. 

Benefits of Cosmetic Repair Insurance 

  • Restores superficial damage to the bodywork of your vehicle to a condition as close as possible to that before the incident took place.  
  •  Convenient cosmetic damage repair solution. 
  •  Helps to protect your vehicle's re-sale value.
  •  Allows you to transfer the remaining unused days of the insurance to a new owner of the vehicle (provided it is a private sale)*. 
  •  Offers multiple claims per annum**. 
  •  Nationwide repair network available*. 
  • Covers damage to external rear view mirrors. 
* Alternative repair network applies in Northern Ireland and the Channel Islands ** Terms, conditions and exclusions apply. Please refer to your policy documentation for full details

Tyre and Alloy Wheel Insurance 

In the event of accidental or malicious damage to your vehicle's tyres or alloy wheels, your tyres or alloy wheels will be repaired or replaced. 

Tyre Protection 
If accidental or malicious damage is sustained, tyre protection will contribute towards the repair of your tyre, or replacement cost of your tyre if it is beyond repair (contribution amount depends on your level of cover) with multiple claims per annum (amount dependent on your level of cover).

Alloy Wheel Protection
Following the accidental damage of an alloy wheel fitted to your vehicle, your Alloy Wheel Protectio
n will: repair your alloy wheel using national mobile repair specialists, arrange for a complete wheel refurbishment for damage that is too severe for mobile repair, or contribute towards the replacement cost of your Alloy Wheel if it is beyond repair (contribution amount dependent on your level of cover) with multiple claims per annum (amount dependent on your level of cover).  

Have questions? Give us a call 01642 632299

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