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Frequently Asked Questions


  • Which policy should I buy if my vehicle is on finance?

    If the vehicle has been bought on a purchased-based finance arrangement (Hire Purchase or Personal Contract Purchase) Back to Invoice+ or Vehicle Replacement + would be appropriate.

    Back to Invoice+ will cover the difference between your motor insurer's settlement and either your invoice price or outstanding finance - whichever is greater at the time of a write off.

    The Vehicle Replacement + policy would pay the difference between your motor insurer's settlement and either the replacement cost of a vehicle of the same make, model, age and specification as the original or the outstanding finance, again whichever is greater at the time of a write off.

  • How do I make a claim on my GAP insurance?

    For policies purchased on or after 1st June 2018:

    If you have purchased a Contract Hire + GAP or Vehicle Replacement + GAP insurance policy, please contact MB & G Insurance Services Limited on 0191 25 88 141.

    If you have purchased an Agreed Value GAP or Back to Invoice + GAP Insurance policy please contact AMS Insurance Services Ltd on 01869 232563.

    For all policies purchased before 1st June 2018:

    Please contact MB & G Insurance Services Limited on 0191 25 88 141.

  • What is GAP insurance?

    GAP Insurance is designed to protect you against financial loss if your vehicle has been declared a total loss or write off by your insurer.

    If your car is involved in an accident, stolen or damage by flood or fire, and deemed a total loss your comprehensive insurer will only pay you market value for your vehicle at the time of the incident.

    This may leave you exposed to any remaining finance settlement charges or the substantial loss suffered with the vehicle value depreciation. This can be covered by purchasing GAP insurance.

  • What do you mean by level of cover?

    The level of cover is set on your GAP policy at the time of purchase and is the maximum amount we will pay in the event of a claim.

  • When can I buy a GAP Insurance policy?

    For the ALA Back to Invoice + GAP Insurance you have up to 365 days after taking delivery of your vehicle to purchase a policy, as long it has been bought from a VAT registered garage and is less than 10 years old at the start of the policy.

    For Vehicle Replacement + GAP insurance there are two possibilities depending upon the age of your vehicle when you purchased it:

    1. If you bought a brand new vehicle from a dealer and your comprehensive motor insurer covers you for a new-for-old replacement in the first year, you can purchase GAP insurance from us for up to 365 days after taking delivery.
    The vehicle must be under 12 months old on the start date of the policy.

    2. If you purchased a used vehicle from a VAT registered garage you can buy Vehicle Replacement + cover for up to 180 days after taking delivery of your vehicle.
    The vehicle must be less than 10 years old with less than 80,000 miles.

    If you have purchased a car more than 365 days ago or have bought it fom a private seller, you can purchase an Agreed Value GAP policy at any time, as long as the car is less than 7 years old and has covered less than 80,000 miles. Please contact the ALA team for a quotation.

    For vehicles on a lease or contract hire agreement, the Contract Hire + GAP policy can be purchased online for up to 365 days after taking delivery. If you have had the vehicle for more than 12 months please contact the ALA team for a quotation.

  • I own my vehicle outright, which GAP Insurance do I apply for?

    For vehicles owned outright we are able to offer you Vehicle Replacement+ Insurance (for vehicles with less than 80,000 miles on the clock) or Back to Invoice + (no mileage restriction).

    The Vehicle Replacement policy covers the difference between your motor insurer's settlement and the replacement cost of a brand new car, if your car was new at the time of purchase. Alternatively, if your car was not brand new, it covers the difference up to the cost of a vehicle which matches the age of the car that you originally insured.

    The Back to Invoice + policy pays the difference between your motor insurer's market value settlement and your original invoice price.

  • How much cover do I need?

    Based on average figures you could assume that a 2 year old vehicle would be worth about 65% of its original value, a 3 year old vehicle 45% - 50% and for 4 years you could assume 35%-45%.

    When getting a quote our system suggests a "GAP Claim Limit" on this basis.

    If the vehicle is on a lease or contract hire agreement, it is worth checking with the leasing company their policy on charges if the contract is terminated due to a total loss. Many leasing companies charge 50%-60% of outstanding rentals whilst some will charge you 100% of outstanding rentals.

  • What information do I need to provide when I make my GAP claim?

    When you contact our claims administrators you will be asked to complete a claim form.

    You will also need to provide the following documentation:

    - Sales invoice
    - GAP insurance policy schedule
    - Motor insurance certificate and policy wording

    If applicable you will also need to provide a copy of your:

    - Finance agreement
    - Finance early settlement figure
    - Third party details
    - Police correspondence

  • I bought my vehicle from a private individual, can I still have GAP insurance?

    If you have bought your vehicle from a private seller and do not have a VAT invoice, you may be eligible for our Agreed Value GAP policy.

    Please contact the ALA team on 01653 916304 to discuss a quotation.

  • How do I make a claim on my Alloy Wheel Insurance policy?

    To claim for minor cosmetic damage to the alloy wheels on your car please contact MB & G Insurance Services Limited on 0191 25 88 141.

    You will need to provide:
    - Your policy number and vehicle details
    - A daytime contact telephone number
    - The cause of damage
    - Electronic images of the damage

    Depending upon the nature of your claim you may also be asked for the following additional information:

    - A valid crime reference number if the damage is malicious
    - A location for the attendance of the repairing technician

  • Should I cover the full value of my vehicle?

    No – in the event of a total loss your comprehensive insurer will pay a settlement of market value and the GAP insurance is simply there to “top-up” their settlement.

    The level of cover should therefore only be the amount needed to cover the difference between your insurer’s settlement and either:

    • The invoice price of your car or the outstanding finance balance, if higher
    • The replacement cost of your vehicle or the outstanding finance balance, if higher
    • The outstanding rentals and any shortfall in the market value settlement;

    depending upon which policy you purchase.

  • How long should a GAP policy last?

    GAP insurance cannot be renewed or extended yearly or at the end of the policy.

    For this reason we suggest that the GAP policy should last for as long as you plan to keep your car.

    Our Vehicle Replacement + and Contract Hire + GAP insurance policies can be purchased for up to a maximum of 5 years.

    Our Back to Invoice + and Agreed Value GAP insurance policies can be purchased for a maximum term of 4 years.

    We understand that it can be difficult to know how long you might keep your car. For this reason, if you change your car before the policy expires, we will provide you with a daily pro rata rebate of the original premium which can be used in one of two ways:

    1. The whole amount can be used as a credit against a brand new policy on a new vehicle. There may be a balance to pay but no admin fees are charged.
    2. We can refund the rebate amount to you, but this would be subject to a £35.00 cancellation fee.

  • Who underwrites your policies?

    The following ALA policies are underwritten by UK General Insurance Limited acting on behalf of Great Lakes Insurance SE:

    Contract Hire + GAP Insurance
    Vehicle Replacement + GAP Insurance
    Alloy Wheel Insurance
    Scratch and Dent Insurance
    Tyre Insurance
    Tools in Transit Insurance
    Helmet and Leathers Insurance

    The following ALA policies are underwritten by Lloyd’s Syndicate 4444 which is managed by Canopius Managing Agents Limited:

    Back to Invoice + GAP Insurance
    Agreed Value GAP Insurance

  • What is the difference between Back to Invoice Plus and Vehicle Replacement Plus?

    Back to Invoice Plus will cover the difference between your motor insurer's settlement and either your invoice price or outstanding finance - whichever is greater at the time of a write off.

    The Vehicle Replacement Plus policy would pay the difference between your motor insurer's settlement and either the replacement cost of a vehicle of the same make, model, age and specification as the original vehicle or the outstanding finance, again whichever is greater at the time of a write off.

  • How do I make a claim on my Scratch and Dent Insurance policy?

    To claim for minor body damage to your car please contact MB & G Insurance Services Limited on 0191 25 88 141.

    You will need to provide:
    - Your policy number and vehicle details
    - Details of the minor body damage including when and how the damage occurred
    - Electronic images of the damage
    - Dates when the vehicle can be inspected and repaired, if your claim is covered.

    Repairs will be carried out by the approved repairer only and payment for any authorised claim will be made directly to them.

  • How do you calculate the “suggested” level of cover?

    For Back to Invoice+ and Vehicle Replacement+, this is based on the likely depreciation in the value of your vehicle over the term of your policy.

    We base average rates and it is intended to give you an idea of the amount of cover which is suitable for you but it can be changed to suit your specific vehicle.

    For the Contract Hire+ policy, we are covering your outstanding rentals and any shortfall in the market value settlement from the insurer - it is based on potential contractual liability of up to 100% but this might be lower in your actual contract.

  • Is my GAP Insurance protected?

    The insurers of these policies, UK General Insurance Limited acting on behalf of Great Lakes Insurance SE and Canopius Managing Agents Limited, are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and your policy is protected under the Financial Services Compensation Scheme.

  • I'm looking at a Back to Invoice Plus quote. What does "Invoice price including deposit" mean? What should I include in this?

    A Back to Invoice Plus quote is based on the price you're paying for the vehicle.

    For this reason use the cost of the vehicle itself including manufacturer fitted extras and dealer fitted extras (as long as these are on the manufacturer price list and appear on the vehicle purchase invoice).

    Include within this any deposit or trade in you have made against the purchase but use the price of the vehicle after deducting any dealer of manufacturer discount.

    You don't need to include any interest or charges relating to your finance agreement, if you have one.

    Other add ons and on-the-road costs like extended warranty, service plan, paint/upholstery protection, insurance premiums, delivery charge, road fund licence or fuel are not included as part of the price of the vehicle.

    If you would like any assistance with a quote please contact our team on 01653 916304.

  • How do I make a claim on my Tyre Insurance policy?

    To claim for accidental or malicious damage to the tyres on your car please contact MB & G Insurance Services Limited on 0191 25 88 141.

    You will need to provide the following information:
    - Your policy number and vehicle details
    - A daytime contact telephone number
    - The cause of the damage

    Depending upon the nature of your claim you may also be asked for the following additional information:

    - Confirmation of the tread depth of the damage tyre (s)
    - Itemised repair/replacement costs from your chosen VAT registered garage
    - A valid crime reference number if the damage is malicious
    - A location of the retained tyre for inspection
    - Your contact and payment details for reimbursement

    If you require emergency assistance out of hours you will be unable to contact the claims administrator to obtain a
    claim authority number.

    Under these circumstances or where the repairer refuses to wait for payment from us, you will need to
    settle their invoice and claim reimbursement from us.

    You must retain the damaged tyre(s) for one calendar month to allow inspection by an independent engineer. It is your responsibility to ensure that the damaged tyre(s) is/are available for inspection and failure to do so may invalidate your claim.

  • Is there anything which shouldn't be included in the invoice price and so would not be covered by the ALA GAP policy?

    There are some things we are unable to cover which includes, but is not limited to: delivery cost, first registration fee, extended warranty charges, insurance products, administration fees, road fund licence and paint/upholstery protection.

    If you would like further advice about whether to include something in the vehicle price then please call us on 01653 916304.

  • Are there any instances where GAP insurance doesn't pay out?

    If your motor insurer refuses your claim for any reason then the GAP insurance cannot settle.

    Also, if you purchase a brand new car which is subsequently a total loss and your insurer offers you a new-for-old replacement vehicle which you refuse, your GAP policy will not pay out.

  • How do I make a claim on my Excess Insurance policy?

    In the event you need to claim on your Excess Insurance policy please contact Trent Services Administration Limited on 01285 626020.

    You will be required to provide the following information
    in support of Your claim:
    - Your name, address and postcode
    - A daytime contact telephone number
    - The policy reference number for Your Excess policy
    Motor Excess Protection Insurance
    - The policy reference number for your motor insurance policy and details of the motor insurer
    - Copy of the settlement letter from your motor
    insurer confirming:
    a. Your name and address;
    b. Details of the vehicle;
    c. The amount settled;
    d. The nature of the incident;
    e. The excess deducted.

  • I own the vehicle but I am not the main user on the insurance policy, in whose name do I apply for GAP?

    The applicant for the GAP policy should be the owner or registered keeper of the vehicle.

    The person named on the GAP policy must have a valid driving licence.

    The vehicle must also be insured fully comprehensively but this does not have to be in the name of the GAP policy holder.

  • I'm looking at a Vehicle Replacement Plus quote. What figure do I use as my purchase price?

    This should be the price of your vehicle before deducting any discounts you have received from the dealer or manufacturer. These are sometimes VAT free offers or shown on your invoice as a deposit contribution. For new vehicles you can use the list price and include any factory or dealer fitted extras.

    If the vehicle is pre-registered you would use the net price for the vehicle rather than the list price. If you have had any extra discounts these can be added back on.

    If you would like any assistance with a quote please contact our team on 01653 916304.

  • How do I make a claim on my Key Insurance policy?

    To claim for the loss, damage or theft of your car or motorcycle keys please contact Qdos Broker & Underwriting Services Limited on 01455 852079.

    To claim for the loss, damage or theft of your house keys please contact Qdos Broker & Underwriting Services Limited on 01455 852078.

  • Is Agreed Value GAP the same as Comprehensive insurance?

    No, Agreed Value GAP (AVG) is not motor insurance for the purposes of the Road Traffic Act.

    Our Agreed Value GAP will cover cars which are less than 7 years old with less than 70,000 miles on the clock which have been bought from a private seller or more than 365 days ago.

    The policy will cover the difference between your comprehensive insurer's settlement and the Glass's Guide value of your vehicle at the time you purchase the policy, in the event of a total loss.

  • Are any vehicles excluded from cover?

    We cannot cover any vehicle:

    - not registered and principally used in the UK
    - not purchased from a VAT registered garage
    - which has an invoice price exceeding £125,000
    - which is more than ten years old on the start date of your policy
    - which is covered by a motor trade policy
    - which is not covered by comprehensive motor insurance
    - used in competitions or rallies, for hire or reward, for driving tuition, as a taxi, for racing, pace making, speed testing, in reliability trials, kit cars, invalid carriages, solely for delivery or courier purposes, any private of public rental vehicle any left hand drive vehicle or non UK specification vehicle or one not built for principal sale in the UK or classed as a Grey Import
    - not listed in Glass’s Guide
    - with a gross weight of more than 3500kg

    Our Back to Invoice + policy cannot cover Ferrari, Lamborghini, Maserati, Rolls Royce.

    If you are uncertain about your vehicle eligibility please contact us on 01653 916304 and one of our team would be happy to help.

  • How do I make a claim on my Tools in Transit Insurance?

    To claim under this policy please contact Direct Group Ltd on 0344 893 1022.

    You will be asked to supply details of the circumstances of the claim, including but not limited to:
    - A full written description of how the damage or theft occurred
    - Proof of ownership of the property which has been damaged or stolen– e.g. receipts, purchase invoices;
    - A crime reference number if your property has been stolen
    - If your property has been damaged, you must retain the damaged items as we may ask to inspect them

    At our option we will:
    1. Pay the cost of replacement as new; or
    2. Pay the cost of repair

  • I bought my van privately, can I still have GAP insurance?

    No, unfortunately we cannot cover vans which have been purchased privately as you would not receive a VAT invoice from a private seller.

  • Who is covered by my GAP policy?

    Any person driving your vehicle is covered by your ALA GAP policy as long as they are a named driver on your comprehensive motor insurance policy.

    Anyone driving your vehicle under their own motor insurance or on a temporary/short term motor insurance policy will not be covered by an ALA GAP policy.

  • How do I make a claim on my MOT Insurance policy?

    To claim under this policy please contact MB & G Insurance Services Limited on 0191 25 88 141 within 7 days of the VT30 certificate being issued.

    The following procedure will need to be followed:

    - The repairer who completed the MOT test and issued the VT30 ywill need to contact the claims administrator to check if the repair is covered under the policy
    -The repairer should not commence any repairs without authorisation from the claims administrator
    - The repairer will need to provide the following documents:

    1. A copy of the previous MOT certificate (VT20)
    2. Copy of the VT30
    3. Your MOT Insurance policy schedule
    4. The repair Invoice stating the cost of parts, labour and VAT

  • I own the vehicle and have it insured in my name but my husband is a named driver. Is he covered?

    We don't take named driver details but our GAP insurance policies automatically cover all named drivers on your motor insurance policy.

  • Which GAP insurance should I buy if my van is on finance?

    If your van is on hire purchase or PCP finance, where you can choose to own it at the end of the term, or you do so automatically when the last instalment has been paid, then Commercial Back to Invoice + or Commercial Vehicle Replacement + would be suitable for you.

    Alternatively, if the van is on a lease or contract hire agreement, where there is no option to purchase at the end of the term, you would need to select Commercial Contract Hire +.

  • How do I make a claim on my Misfuel Insurance policy?

    To claim under this policy please contact the claims administrator, National Breakdown, on 01274 288 488.

    You will need to provide:
    - Your policy number and vehicle details
    - A daytime contact telephone number
    - How the misfuel occurred

    Depending on the nature of your claim we may ask you to provide the following additional information:
    - Location for the attendance of the contractor
    - Your contact and payment details for reimbursement (if required)

  • Is Finance GAP the same as Contract Hire GAP?

    This depends on the supplier but you really need to double check the small print. Our Contract Hire+ GAP specifically covers up to 100% of outstanding rentals and any potential shortfall in residual value.

  • Is there a minimum age for buying GAP Insurance?

    You must be seventeen years of age with a provisional or full driving licence and covered by a fully comprehensive insurance policy.

  • How do I make a claim on my Helmet and Leathers Insurance policy?

    To claim under this policy please contact Direct Group Ltd on 0344 893 1022.

  • I bought my vehicle more than 180 days ago, can I still buy Vehicle Replacement GAP Insurance?

    If you purchased a brand new car and have been covered by your motor insurer on a new-for-old basis in the first year, we can provide you with Vehicle Replacement +GAP insurance for up to 365 days, while the vehicle is less than 12 months old.

  • I have a contract hire vehicle and would like a quote. What figures should I use for the Contract Hire Plus policy?

    For "Cost of vehicle" you should enter the estimated list price of the vehicle and select the term of cover you wish to take.

    The system will automatically suggest a claim limit but this can be tailored further to suit your needs, based on the total amount you will be paying over the term of the contract.

    If you would like any assistance with a quote please contact our team on 01653 916304.

  • Are maintenance charges covered by the Contract Hire GAP policy?

    No, the GAP policy is covering your liability for the vehicle rentals only.

    Depending upon the terms of your Contract Hire agreement, maintenance charges may be included in your settlement figure from the finance company at the time of a total loss but these would not be covered by the GAP insurance. We would always recommend that you check your lease agreement for specific details.

    Other costs which are not covered include:
    - Road Fund Licence
    - Excess mileage charges
    - Late payments or arrears

  • Will my GAP insurance pay out if I am hit by an uninsured driver?

    Not all comprehensive insurers will cover you if you are hit by an uninsured driver, so it is best to check with them.

    A requirement of the GAP insurance policy is that your motor insurer must make a market value settlement in the event they write your vehicle off. Provided they do so, and you can provide us with the few pieces of documentation we need for the GAP claim procedure, then we will also make a settlement.

    If for any reason your motor insurer does not settle then the GAP policy cannot settle in these circumstances.

  • My Comprehensive Insurer is offering me a 'new for old' replacement for the first year, why do I still need GAP insurance in the first year?

    If your insurer is providing you with new-for-old cover, you can purchase ALA GAP insurance up to 365 days after taking possession of the vehicle, whilst the vehicle is less than 12 months old.

    However, you can choose to purchase the GAP policy from us to have it run alongside the cover from your insurer.

    Whilst this may seem like you are duplicating cover, if your vehicle is written off in the first year we will transfer the balance of your original policy on to your replacement vehicle.

    Please consider the possibility that there may be instances where your insurer reduces your settlement to market value only. This can be for various reasons including exceeding the annual mileage limit pro rata, the condition of the vehicle, if the vehicle has been stolen rather than being involved in an accident or if a replacement vehicle cannot be sourced with a certain number of weeks of the incident. if you have not purchased GAP insurance you could be left with a shortfall.

  • Some of my initial payment on my lease agreement was for a maintenance contract - is this covered by the Initial Rental Cover?

    If you choose to add Initial Rental Cover as part of the Contract Hire + GAP policy, this will cover any initial rental paid for the vehicle itself.. However it will not cover any amount paid towards the maintenance contract.

  • Does the £250 contribution to my Comprehensive Insurance excess pay out on every claim that I have?

    No, the limit of £250 is only paid out in the event of total loss claim.This is a maximum amount so if your excess is £150 we would pay you £150.

  • Some competitors of ALA will defer the start of a GAP policy for the first year to coincide with my comprehensive insurer's offer of a 'new for old' replacement for the first year - why doesn't ALA?

    If your GAP policy is deferred for 12 months and you have a total loss claim, your motor insurer may refuse to replace new for old due to one or more of the terms and conditions of the policy not being met. It is then very unlikely that the deferred GAP Insurance policy will activate either - leaving you with no GAP cover whatsoever!

    However, you can still purchase GAP insurance from ALA ,while the car is less than 12 months old, for up to 365 days after taking delivery of your vehicle, where you have new-for-old cover.

    Deferring the GAP policy means you have to pay for it upfront, despite not having the cover for up to another 12 months.

  • Am I covered for theft if my vehicle is stolen with the keys?

    We rely on your motor insurer to provide cover and as long as they do, so do we. For example your insurer may not settle or may significantly reduce your settlement if your vehicle is stolen with the keys as a result of your negligence i.e. the keys are left in the vehicle whilst de-icing or paying for fuel. If this is the case your GAP insurance cannot settle.

    If your keys are stolen from your house or bag your insurer would be likely to make a settlement. In this scenario your GAP policy will still pay the difference between their settlement and either the invoice price, replacement vehicle cost or outstanding finance, depending upon the type of policy you have.

  • Do you cover negative equity?

    Negative equity in this context specifically means a finance balance for a previous car which has then been added to a new finance agreement for a new car.

    Our policies do not cover negative equity, we can only provide cover for the finance relating to the current car, not finance carried over from a previous agreement.

    If you have any questions about this please contact one of our team on 01653 916304

  • Do you impose a maximum limit for factory or dealer fit accessories?

    All factory fitted extras are covered by our GAP policies.

    With regards to dealer fitted accessories, there is no limit to the value that we will cover; as long as the part appears on the manufacturer price list and is included on the vehicle invoice, we will cover the cost of that extra.

    Please note that we cannot cover the cost of any conversions or after-market modifications.

  • Will my comprehensive insurance company pay off the finance if my vehicle is written off?

    Your primary insurer will normally pay you the current market value of the vehicle and that is all. This may or may not be enough to cover the finance settlement figure at the time.

    If you have GAP insurance this will cover any shortfall (up to the maximum claim limit) up to the invoice price, replacement cost or outstanding finance on your vehicle in the event of a total loss, depending upon the type of cover you have with us.

  • Is my vehicle covered for GAP Insurance if I take the vehicle abroad?

    Yes, provided your motor insurer extends fully comprehensive cover to Europe (rather than the minimum insurance requirement for that country which, can sometimes be third party only) and you comply with any restrictions your Fully Comprehensive Policy enforces for a UK registered and domiciled vehicle, then the GAP Insurance will be valid.

    Please note that GAP Insurance only pays out if the primary insurer accept the insured loss under a fully comprehensive policy.

  • My vehicle is going to have a private plate - when should I buy the GAP insurance?

    You can still purchase the GAP insurance immediately. Simply fill in the order form using the original plate on your vehicle.

    Once your private plate is fitted to the vehicle please contact us on 01653 916304 or send an email to info@ala.co.uk and we will update your details free of charge.

  • My vehicle is covered by a motor trade insurance policy - can I still have ALA GAP insurance?

    Unfortunately we cannot offer cover on any vehicle which is covered by a motor trade policy.

  • Is the figure quoted a one off payment or an annual premium?

    The figure quoted the full premium for the term of cover selected, and represents the total cost for the policy.

    If you choose to spread the cost of the policy and pay by Direct Debit, the premium is subject to a credit charge of 12.95%.

  • Does the GAP policy cover my road tax in the event of a total loss?

    A GAP policy settlement won't include any amount paid towards road fund licence. There is no need for it to do so as it would be refundable pro-rata by the DVLA if your vehicle is written off.

    If your vehicle is declared a total loss by your insurer you need to send section 9 of the vehicle log book to the DVLA. You will then receive an automatic refund in the form of a cheque within 4 weeks.

  • Is it free to transfer my policy should I change my vehicle within the length of the policy cover?

    Yes it is. We calculate the unused premium in your original policy on a daily pro rata basis and deduct it from the price of a brand new policy. There are no administration fees to do this, however there may be a balance to pay for the new policy.

    This is subject to ALA's Fair Usage Terms, which means that we cannot complete a transfer in conjunction with any other offer or additional discount.

    Transfers can currently only be completed by a member of staff over the phone. Please call us on 01653 916304 for assistance .

  • Do you offer normal car insurance?

    No, this isn't something we can offer at the present time.

  • What are ALA's Fair Usage Terms?

    These include, but are not restricted to the following:
    - A policy may not be transferred more than twice in a 12 month period
    - A discount, price match or other promotion may not be used in conjunction with a transfer credit
    - Multiple discount codes may not be used including cash back offers and discount codes.
    - Discount codes that are not directly associated with a cash back site may not be used in conjunction for an ALA purchase.
    - Our price guarantee does not extend to discounted/sale prices. In certain circumstances we may be unable to complete a price match, for example where terms are not comparable.

  • I bought my vehicle through the Motability scheme, can I buy GAP Insurance?

    It is our understanding that you may not require GAP Insurance as your vehicle is fully protected with the insurance provided under the Mobility scheme. Please check with the provider for confirmation

  • Do you cover refrigerated vans?

    No, we cannot cover any vehicle which is used for the purposes of hire and reward. This includes any form of delivery, including couriers and even if it is the delivery of your own goods.

  • My motorhome exceeds 3500kgs in weight, is it possible to cover with ALA GAP insurance?

    We are unable to cover any vehicle which weighs more than 3500kg.

    To check your vehicle, this may be listed as the Max Permissible Mass, Max Authorised Mass, Permissible Maximum Weight or Gross Vehicle Weight. This can be found in the owner's manual for your vehicle or on a plate or sticker attached to your vehicle


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