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How Does RentalCover.com's Free Gap Coverage Work?

RentalCover.com's Free Gap Coverage allows you peace of mind when you rent a car by providing additional coverage to every policy issued, free of charge. The amount of Free Gap Coverage included with your RentalCover.com policy can be found in your coverage documentation provided with your quote or purchase.

Our 'Gap Cover' is designed to provide coverage when there is a shortfall between your excess coverage and the total amount that you have paid for your accident/damages. This can happen when:

  • Your coverage is insufficient (i.e. the policy is less than the excess on the vehicle);
  • There are separate charges such as administration & credit card fees that are payable on top of your excess and;
  • There are exclusions in your coverage agreement which won't be paid for by your vehicle's insurance, such as damage to your car's underbody, or "loss of use" costs (charged when the vehicle is off the road being repaired).

 

All RentalCover.com policies come with Free Gap Coverage to ensure that you get reimbursed for these significant costs.

Example

The Queen of England is not a good driver. She prefers to travel the streets of London in a horse and carriage. So when she rents cars, she always purchases a RentalCover.com policy just in case she has an accident. Once upon a time she did have an accident because her corgi dog was barking wildly when the Queen's hairspray stung it in the eyes. The excess on her vehicle was £4,000 but The Queen was faced with total charges of £4,450. The breakdown of her bill was as follows: £4,000: Damage liability fee (this was the 'excess". Rental companies call it many things but they are all just the "excess") £150: "Administration Fees" (the rental companies usually charge these "processing" costs) £50: Credit card fees (charged on the total damage costs) £100: Towing (the towing bill is not usually part of the "excess" because it is not "damages". It is a separate fee that is charged to the rental company and passed on to the driver). £150: "Relocation" costs (the rental company has to get the vehicle back to its intended destination. The cost is passed on to the driver).

Luckily, The Queen's RentalCover.com policy had £4,000 coverage and an extra £500 Free Gap Coverage. RentalCover.com's underwriter paid her £4,000 and RentalCover.com paid £450. The Queen made her claim, it was paid quickly by the friendly RentalCover.com claims team, and she vowed never to take her corgis on a road trip again.


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Please check if these questions are relevant or scroll down to contact us:

About Our Price Guarantees

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About RentalCover.com

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Who is RentalCover.com & Who provides the coverage?
What is the Rating of Our Underwriters?

Alternatives to RentalCover.com

Should I buy coverage from the rental companies?
Can I rely on Travel Insurance?
Should I just risk it and not get insurance?

Annual Plans

How Do I "Log" Rentals For My Annual Plan?

Claims

How do claims work for "Extra Cover" (for USA & Canada)?
How do claims work for "Zero Excess Rental Cover", "No Excess Rental Cover" & "Rental Vehicle Cover"?
When can I expect claims to be settled?
How do I make a claim?
Am I insured if I have more than one accident?
How do I report a claim for "Collision Damage Coverage" (for US Residents)?

Country: Asian Countries

What should I do at the rental desk in Asian Countries

Country: Australia/NZ

How does Excess Reduction & Third Party Insurance work in Australia and New Zealand
What should I do at the rental desk in Australia/NZ?

Country: Canada

How does rental excess & CDW work in Canada? What are my options?
What should I do at the rental desk in Canada?

Country: EU/UK

How does rental excess/CDW work in Europe? What are my waiver options?
What should I do at the rental desk in EU/UK?

Country: Latin American Countries

What should I do at the rental desk in Latin American Countries

Country: Namibia/Africa

How does rental excess & CDW work in Africa? What are my options?

Country: United States

What are the insurance options in the USA? How does the US differ from most other countries?
How Does The Free Roadside Assistance Work for USA Policies?
What is Extra Cover for the USA? What do I say at the rental desk?
What should I do at the rental desk in the US?
What should I do at the rental desk if I am traveling abroad with Collision Damage Coverage (for US Residents)?

Country: Worldwide

What should I do at the rental desk: Introduction

Damage Waivers (CDW, LDW, Super CDW, Super LDW)

What is "excess", "CDW", "LDW", "excess reduction", etc? And what is RentalCover.com?
How much do I pay if there's an accident?
How do "LDW" and "Super CDW" and "Super LDW" differ from simple "CDW"?

Managing/Cancelling/Modifying Policies

How do I cancel a policy, change dates or add coverage? What if I changed my rental vehicle?
Help, I can't login!
When are the policies issued?
How do I submit my airline rewards program number?
How much coverage do I need?
How Does RentalCover.com's Free Gap Coverage Work?
Are there age or residency restrictions?
Are additional drivers insured?
How do I change the name of the policy holder?
Who is insured? What is insured?
I bought a policy but changed my car. Do I need a new policy?
How do cancellations and refunds work?
What is a refundable deposit/bond? When does it get refunded?
How do I add coverage to my policy?
I have several rentals over a period of time. Do I need a policy for each rental? What if I have several countries to visit?
What are my policy's inclusions?

Personal Accident Insurance

What is PAI (Personal Accident Insurance)?

Supplemental Liability Insurance

What is SLI (Supplementary Liability Insurance)?

Theft Protection

What is Theft Protection?

Third Party Cover

Is "Third Party" included?
Why do rental companies charge a large excess when the repair cost is small? What happens if I'm "not at fault"? Will I get my money back? When?

Types of Vehicles & Types of Rental (Peer To Peer etc)

Are 4x4s Insured? What about unsealed roads?
What types of "rentals" are insured? Car shares? Loan cars from mechanics?

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