• GAP Insurance And GardX

GAP Insurance And GardX

If your vehicle is written off or stolen before you finish paying the finance on it, your car insurance payouts may not be enough to repay what you still owe and replace your vehicle with another vehicle of equivalent value. Guaranteed Asset Protection (GAP) is designed to cover this financial gap. We at Wilsons provide GAP insurance with the RAC, protecting you and your car against unforeseen incidents.

Gap Insurance Could:

  • Provide three years Return to Invoice cover and up to five years Financial Shortfall cover.
  • Pay up to £300 insurance excess.
  • Safeguard against depreciation in the event of a total loss claim.
  • ​Pay the difference between your insurance payout and the original purchase price.
  • Pay the difference between your insurance payout and your finance settlement, if this is greater than the purchase price.

Whether or not you should buy GAP insurance depends greatly on the way you pay for the vehicle.

Some examples of the GAP policy exclusions

  • Any vehicle that is not covered by a comprehensive motor insurance policy
  • The comprehensive motor insurance provider has offered to repair the insured vehicle and you have requested the claim to be dealt with on a total loss basis

Please ask for more information  


RAC Accident Care

For up to 60 months, RAC will:

  • Rescue your vehicle if you are involved in a road traffic accident in the UK. Wherever possible, we will recover the cost from the insurer, so you're not out of pocket.
  • Send urgent messages to family and friends.
  • Recover your uninsured losses if you're not at fault for the accident from the third party's insurer.
  • Provide access to our personal injury lawyers to help you get compensation.
  • Offer 24/7 legal advice to help you through the situation.

RAC Breakdown Cover

Single vehicle-based 12 month breakdown cover in the UK, which includes:


24/7 breakdown cover. RAC will fix your vehicle at the roadside, as long as you are over a quarter of a mile from home. A 10-mile tow to a destination of your choice, local garage or a place of safety is included if your car cannot be fixed at the roadside.


We'll take you, up to 7 passengers and your car to your chosen destination anywhere in mainland UK.

GardX Protection

The GardX Vehicle Protection System with Nanotechnology, forms a highly resilient transparent coating that protects your vehicle’s paintwork from harmful pollutants.

It will even delay the effects of bird droppings and provides a high gloss showroom finish that permanently resists attack. With GardX Protection you may never need to polish your car again.

  • GAP Insurance And GardX
  • GAP Insurance And GardX 2
  • GAP Insurance And GardX 3
  • GAP Insurance And GardX 4

All our vehicles are subject to an Admin Fee. Our Admin Fee covers any additional administration needed during your transaction, including a thorough provenance check (HPI Check). The vehicle provenance investigation checks if a car has finance owing, is stolen, cloned, written off or clocked, giving you real confidence in your car. Our vehicle checks carried out during preparation also include a cosmetic and mechanical assessment of each vehicle. The admin fee also includes the cost to fully valet, register and, if necessary, MOT your vehicle (if less than 6 months left of current MOT).

Our administration fee is a variable fee which covers the additional administration needed when transacting with different categories of customers as specified:

All of the above fees are inclusive of VAT