Asset Protection

Forget servicing and fuel costs –
vehicle depreciation is the biggest motoring expense.

Why should I buy Asset Protection?

We don’t like to be reminded, but all cars depreciate in value. So whether you buy a new car or a used one, most vehicles depreciate and it’s a cost you expect when you plan to change your car.

But what happens when you are forced into replacing your car unexpectedly, say your vehicle is stolen or written off after an accident or maybe caught in a flood?

Simple – you rely on your car insurance; that’s what it’s there for.

But there’s a catch – car insurance is different from most other insurance as it rarely covers ‘new for old’.

They will only cover the value of your vehicle at the time of loss, not what you paid for it, and this may leave you with a shortfall of £000’s to pay off any outstanding finance or find an acceptable replacement.

Asset Protection provides a valuable top up to your car insurance and protects the value of your vehicle against this depreciation shortfall.

You won’t be left out of pocket or need to pay the extra cash to replace your vehicle with one of the original price or quality.


Which type of Asset Protection suits me best?

Retail Price Protection

is generally better suited  for Used car purchases and  guarantees a financial return to the original invoice price.

This is what it does:

Retail Price Protection will, in the event of a total loss of your  insured vehicle, pay the difference  between your motor insurance  settlement and the original invoice price of the insured vehicle. Or if greater, the amount you need to pay your early finance settlement amount.

This includes your insurance excess deducted by your motor insurer up to £250 and dealer fit  accessories up to £1500

Vehicle Replacement Insurance

is generally better suited for New car purchases and guarantees a financial return on a new like for like basis.  This allows for Manufacturer prices increases or discounts which are no longer available to you.

This is what it does:

Vehicle Replacement Protection will, in the event of a total loss of the  insured vehicle, pay the difference  between your motor insurance  settlement and the cost of a  Replacement Vehicle, matching the original specification.  Or if greater, the amount you require to pay your early finance  settlement amount.

This includes your insurance excess deducted by your motor insurer up to £250 and dealer fit  accessories up to £1500.


How it works


Buying your cover couldn’t be more simple

And with our 0% Easy Pay you can spread the cost into interest free manageable instalments.

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