What is covered and not covered by Gap Protection?

Covered

Gap Protection can reimburse the following eligible expenses, provided they meet the conditions of your policy:

• Tires, rims, hubcaps, windows, mirrors and lights: Repair costs for damage caused by an accident, collision or hit-and-run, provided the damage is not otherwise covered by the vehicle's insurance.
• Roadside assistance: Eligible costs for roadside assistance required during the rental.
• Towing: Expenses directly related to towing the damaged rental vehicle.
• Taxi expenses: Taxi costs directly related to an accident, up to €200.
• Administrative fees: Fees charged by the rental company for handling the repairs of covered damage.
• Loss-of-use charges: Charges for the rental company's lost income while the covered damage to the vehicle is being repaired
• Travel document replacement: Up to €200 for reasonable and necessary costs of replacing a stolen or accidentally lost passport, national identity card, driver’s license or required international driving permit.
• Security deposit loss due to insolvency: Reimbursement of your security deposit if the rental company becomes insolvent, bankrupt or enters liquidation and fails to return it as a direct result.

The combined coverage limit is €1,000, including the €200 limits for taxi expenses and travel document replacement.

You are covered if you are authorised to drive the rental vehicle under your rental agreement and the vehicle is either the one listed in your agreement or a replacement provided by the same rental company. 

Your name must appear on the rental agreement. 

Additional drivers listed in the agreement are also covered at no extra charge.

Not covered

Gap Protection does not cover all rental-related expenses. The main exclusions include:

• Third-party liability
• Vehicle's body, interior and mechanical damage
• Loss, damage, or theft of personal possessions, valuables or any extra equipment.
• Cleaning costs
• Unforeseeable or uncontrollable events such as war, revolution, terrorism, strikes, as well as natural disasters such as hail, floods, hurricanes, earthquakes, etc.
• Damages that occurred if you did not comply with the terms of your rental agreement, caused by your gross negligence or malicious intent
• Accommodation costs, meals, missed events or any other out-of-pocket expenses
• Legal, litigation, or collection costs
• Reimbursement for unused rental days, losses related to a no-show
• Fines or penalties, including those for driving without the required documents following their theft or accidental loss
• Loss or retention of the security deposit for reasons unrelated to bankruptcy

If you would like more comprehensive protection, we recommend purchasing our Full Coverage and/or RoadTrip Protection products.