Protection

Guaranteed Asset Protection

If your car is written off or stolen, your insurer pays market value — but that's often less than what you still owe. GAP insurance covers the difference, so you're never out of pocket.

Interactive Calculator

See Your GAP Exposure

Adjust the numbers below to see how depreciation and your loan balance create a financial gap — and why GAP cover matters.

$
$
%
$0$5k$11k$16k$21k$26kYear 0Year 1Year 2Year 3Year 4Year 5THE GAPLoan BalanceMarket ValueThe Gap
Maximum GAP Exposure
$36

Peak at month 5

GAP Occurs During
Month 1 – 9

8 months of exposure

Without GAP, You'd Owe
$36

Out of pocket if written off at worst time

Janssens Insurance

GAP Cover Pricing

Through our partner Janssens Insurance, GAP cover starts from just $295.

1 Year
$295
$10,000 total cover
2 Years
$395
$10,000 total cover
Most Popular
3 Years
$495
$10,000 total cover
4 Years
$595
$10,000 total cover
5 Years
$695
$10,000 total cover

Each policy includes $5,000 main benefit plus $5,000 Customer Care Package.

Included Benefits

What's Included in Customer Care

Every Janssens GAP policy comes with a $5,000 Customer Care Package — practical support to get you back on the road.

On-Road Costs

up to $395

Delivery and registration costs for your replacement vehicle.

Comprehensive Insurance

up to $1,000

One year of comprehensive insurance for your replacement vehicle.

Replacement Deposit

up to $1,000

Deposit contribution toward your next vehicle purchase.

Excess Cover

up to $500

Covers the excess on your total loss insurance claim.

Rental & Transport

up to $500

Car rental or Uber up to $100 per day for 5 days while you sort a replacement.

MBI for Replacement

up to $1,000

Mechanical Breakdown Insurance for your replacement vehicle.

Financed Accessories

up to $1,000

Replacement of financed accessories included in your original loan.

The Difference

GAP vs No GAP

Without GAP

  • Car written off — insurer pays market value$18,000
  • You still owe the finance company$22,000
  • You're $4,000 out of pocket — and you have no car
  • You need a deposit for a new car
  • You need to arrange new insurance
Total out of pocket
$4,000+

With GAP($495 for 3 years)

  • Car written off — insurer pays market value ($18,000)
  • GAP covers the $4,000 shortfall to your finance company
  • Customer Care covers deposit for replacement ($1,000)
  • Customer Care covers comprehensive insurance ($1,000)
  • Customer Care covers on-road costs ($395) and excess ($500)
Total protection value
$6,895

For a one-time premium of $495

Common Questions

Frequently Asked Questions

Get Protected

Protect Your Investment

Add GAP cover to your next vehicle purchase — or ask us about adding it to your existing finance.

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