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Guaranteed Asset Protection Skip Navigation LinksHome /About Us /Product Overview /Guaranteed Asset Protection

Help protect your investment with coverage that bridges the GAP
In the event your vehicle is deemed a constructive total loss due to an accident or theft, your auto insurance policy usually covers the fair market or actual cash value of the vehicle.

The amount you owe your Lender may be more than your insurance settlement. This difference or gap, could cost you thousands of dollars.

Guaranteed Asset Protection (GAP) waives the difference between your Primary Insurance Settlement and the outstanding balance of your vehicle on the date of loss.*

 Net Payoff
 Insurance Settlement Amount
- $20,000
 Difference Owed
= $3,000
 Total GAP Coverage
- $3,000
 Your Out-of-Pocket Expense
= $0
(for illustrative purposes only)

GAP Covers the Difference and More
  • Protects new and used vehicles
  • Protects vehicles valued up to $100,000
  • May cover your insurance deductible up to $1,000
  • Waives losses up to $50,000
GAP is underwritten by First Colonial Insurance Company or Allstate Northbrook Indemnity Company.

(*) Programs and coverages may vary by dealer/lender/state. Please refer to your GAP waiver/certificate/policy for details of the terms and conditions of this coverage.

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