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Servicing and warrantyServicing and warranty

GAP Insurance.

Protecting you and your smart.

GAP Insurance by smart.

GAP insurance diagramGAP insurance diagram

GAP Insurance by smart.

Your smart vehicle is a precious investment, and one you will want to protect with a policy that has a high level of benefits. In the event of a total loss and potential shortfall in the motor insurance pay-out on the vehicle value, we will help put you in the position to replace the loss with a vehicle that lives up to your original investment.

This diagram is an illustrative example.

GAP Insurance by smart.

What is Combined GAP Insurance by smart?

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It offers you the opportunity to not incur financial loss if your smart is written off and is not replaced by the motor insurer; when your motor insurer may only pay out the market value at the time of the loss.
For example, If you paid £14,000 for your smart and it was written off and your motor insurance company agree to pay out £10,000. Combined GAP Insurance by smart will payout £4,000, making up the shortfall between the price you originally paid.

What is Lease GAP Insurance smart?

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In the event of your smart being written off, our product is designed to protect you against the risk of any shortfall in your lease agreement. Following the comprehensive motor insurance settlement, Lease GAP Insurance by smart will pay the difference between this and the cost to clear your lease agreement and help you start a new one.
For example, if your vehicle is written off and your motor insurance company agree to pay out £10,000, you still owe £14,000 on your lease agreement. Lease GAP Insurance by smart will payout £4,000 to clear your lease agreement and you start a new one.

What if i've chosen to finance my smart?

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Combined GAP Insurance by smart makes up any shortfall between your comprehensive motor insurance settlement offer and the original purchase invoice price, or if greater the shortfall between the finance settlement.

What if i'm a cash buyer of my smart?

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Combined GAP Insurance by smart makes up any shortfall between your comprehensive motor insurance settlement offer and the original purchase invoice price.

Where can i purchase GAP Insurance by smart?

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The product can be purchased via a participating smart Retailer. For further information please speak to your Business Manager.

Find a Retailer.

Is GAP Insurance available for hire and reward vehicles?

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This product is also available for Hire and Reward vehicles. Speak to your Business Manager for further information and policy costs.

Find a Retailer.

What is GAP insuranceWhat is GAP insurance

How GAP Insurance pays out.

GAP Explained.

Combined and Lease GAP Insurance by smart

Vehicle Age Cover

Vehicle Age Cover

Up to 10 years

Dealer Manufacturer Fitted Accessories Cover

Dealer Manufacturer Fitted Accessories Cover

£1,500

European Cover (per annum)

European Cover (per annum)

90 days

Vehicles costing up to £75,000

Vehicles costing up to £75,000

claim limit is up to the purchase price

Vehicles costing from £75,001 to £200,000

Vehicles costing from £75,001 to £200,000

claim limit is up to £50,000

Motor Insurance Excess Cover

Motor Insurance Excess Cover

Up to £250

Policy Transferable*

Policy Transferable*

Cover available for Lease products

Cover available for Lease products

Cover available for Hire and Reward Vehicles

Cover available for Hire and Reward Vehicles

Cover available for business units

Cover available for business units

Road Fund License contribution up to £200

Road Fund License contribution up to £200

Paint protection/Star Guard when detailed on the original supply invoice will be part of a valid claim

Paint protection/Star Guard when detailed on the original supply invoice will be part of a valid claim

Lease GAP only.

Contribution towards a replacement vehicle under a new Contract Hire or Lease agreement.

smart Combined & Lease GAP Insurance.

up to three (3) monthly rentals to a maximum of £2,500 (including VAT).

* Subject to an administration fee, terms and conditions apply. #For Hire & Reward vehicles maximum invoice price = £125,000

The insurance is accepted and underwritten by Acasta European Insurance Company Ltd which is managed on behalf of AutoProtect (MBI) Limited. Acasta European Insurance Company Ltd, 5/5 Crutchett’s Ramp, Gibraltar, GX11 1AA is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Their FCA registration number is 456936.AutoProtect (MBI) Ltd is authorised and regulated by the Financial Conduct Authority. FCA No. 312143.

Where can I purchase GAP Insurance by smart?

The product can be purchased via a participating smart Retailer. For further information please speak to your Business Manager.

To make a claim.

If you would like to report a claim for a policy that was purchased after March 2014, please contact our Claims Department on:01279 456 507.

If you purchased your policy before March 2014 please see the FAQS.

To ensure your claim can be processed, please ensure you have the following details ready;

  • Your policy number
  • Vehicle registration
  • Current mileage

Open 9.00am - 5.00pm Monday to Friday and Saturday 9.00am - 12.00pm

The product is only available at participating smart Retailers.

The insurance is accepted and underwritten by Acasta European Insurance Company Ltd which is managed on behalf of AutoProtect (MBI) Limited. Acasta European Insurance Company Ltd, 5/5 Crutchett’s Ramp, Gibraltar, GX11 1AA is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Their FCA registration number is 456936.
AutoProtect (MBI) Ltd is authorised and regulated by the Financial Conduct Authority. FCA No. 312143.

How GAP insurance pays out B cardHow GAP insurance pays out B card
Existing finance customers A cardExisting finance customers A card

Existing Finance Customers

Manage your finance agreement online using our Mercedes-Benz Finance Customer Portal for smart, or get in touch with us.