Shortfall Cover

Perils covered under the Auto Top-Up Cover:

• Vehicle stolen and not recovered, or
• Vehicle stolen and recovered but damaged and not economical to repair, or
• Vehicle accidentally damaged but not economical to repair and written off.

We will not cover you if:

• the claim against your comprehensive vehicle insurance policy is rejected for any reason.
• your vehicle is stolen and recovered, but is economical to repair and is not written off.
• your vehicle is accidentally damaged, but is economical to repair and is not written off.

Refer to Terms and Conditions for a full list of exclusions.

To claim on the Auto Top-Up Plus policy, contact our call centre on 0860 10 95 71 from Monday to Friday, between 08:00 and 17:00 and one of our helpful consultants will guide you through the process.

The most we will pay is either:

• the settlement balance of the credit agreement, minus:
  • any amounts refundable to you at the time of the loss, such as, but not limited to vehicle warranty or credit life;
  • any further or additional amounts that were added to the principal debt of your credit agreement after commencement, including penalties and interest charged on late payments;
  • the amount paid out on your underlying insurance claim;
  • the value of any benefit paid by your underlying insurance claim which did not form part of your principal debt when the credit agreement commenced, like sound equipment or car accessories;

• Or the amount stated on your schedule – whichever is the lesser.