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VAP Insurance

At CarShop, we always like to challenge the mundane and push the boundaries to give our customers something special.

If your car is written off or stolen, you will only get back the current market value of your car on a standard car insurance policy. So there’s likely to be a "gap" between how much you get for your old car and how much it would cost to pay off any finance outstanding or to replace it. Our Vehicle Asset Protection is designed to fill this "gap". Simple!

If you’re a cash customer, the insurance will cover the difference between the actual amount you receive under your comprehensive motor insurance and the original purchase price.

If you’re a finance customer, the product provides the alternative benefit of covering the balance outstanding on your finance agreement if this payment is higher.

It’s worth noting that if you have VAP Insurance it covers the first £250 of the insurance excess.


  • Last year there were over 1,189,000 thefts involving a vehicle*.
  • 449,681 incidents of offences against vehicles were recorded between 2009/10 and 2010/11*.
* Source - Home Office statistical bulletin July 2011

Vehicle Value £1
to £5,000
£5,001 to £10,000 £10,001 to £15,000 £15,001 +
£299 £399 £499 £599
£10k £10k £10k £10k

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