Arnold Clark

Vehicle Replacement Insurance (Return To Invoice GAP Insurance)

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Up to 4-years' cover From £8.99 per month

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Plus first month's cover free of charge

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For Enquiries and Claims Call 01926 622661

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Accidents Happen

Unfortunately accidents do happen, but what would you do if your vehicle was involved in an accident and was written off? Likewise, if your vehicle was stolen and not recovered what would your options be?

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We've Got You Covered

Our VRI has been specifically designed to supplement your comprehensive motor insurance policy and will pay the difference between the price you paid for the vehicle and the greater of the current market values* or your insurance company settlement.

Benefits of VRI

Your VRI Cover Sum extends to the inclusion of the following Arnold Clark products when purchased prior to vehicle delivery:

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Service Plan or Clark Plan

Any Service Plan or Clark Plan from the range of Arnold Clark servicing and MOT plans.

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Autocare

The Arnold Clark mechanical breakdown warranty product.

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Protect

The Arnold Clark paint and upholstery protection product.

For non Arnold Clark products purchased prior to vehicle delivery Arnold Clark VRI will also cover a vehicle manufacturer specific servicing or warranty product (each up to a value of £500).

In addition to this Arnold Clark VRI also provides the following extra benefits:

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Insurance excess

Cover for your comprehensive motor insurance policy excess up to a maximum of £300*

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Finance gap

Where a finance settlement applies and the amount due is greater than your VRI Cover Sum Arnold Clark VRI will provide cover up to the greater amount**

4 years' protection
Low-cost monthly premium
First month's cover free

Arnold Clark Vehicle Replacement Insurance is a monthly pay/monthly cover policy that provides up to 4 years' protection for a low-cost monthly premium:

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£8.99

per month

For vehicles with a VRI Cover Sum of under £15,000.

Provides up to £15,000 of total benefit.

Plus one month's free cover

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£12.99

per month

For vehicles with a VRI Cover Sum of between £15,000 and under £50,000.

Provides up to £25,000 of total benefit.

Plus one month's free cover

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£15.99

per month

For vehicles with a VRI Cover Sum of between £50,000 and £70,000.

Provides up to £35,000 of total benefit.

Plus one month's free cover

Your VRI Cover Sum - An explanation

Your VRI Cover Sum is the price paid for the insured vehicle at point of vehicle order/delivery and includes the purchase of any of the following items: factory fitted or dealer fitted options and accessories; Arnold Clark servicing and MOT plan (or vehicle manufacturer specific servicing product up to a value of £500); Arnold Clark Autocare mechanical breakdown warranty (or vehicle manufacturer specific warranty product up to a value of £500); Arnold Clark Protect.

The VRI Cover Sum takes into account any discounts applied and excludes any insurance premiums, vehicle tax and fuel included in the sale price and any negativity equity (i.e. outstanding debt that is rolled into a finance agreement from another source at the time of vehicle purchase).

Accident claim example

Mrs Warren of Edinburgh bought a 4-month-old vehicle from Arnold Clark for £20,795.

21 months later Mrs Warren was involved in an accident when an oncoming vehicle turned into the path of her vehicle. The vehicle was written off by her insurance company after having been declared a total loss and the insurance company agreed to settle the claim for £14,295.

As a result Mrs Warren was without a vehicle and out of pocket by £6,500.

Fortunately, Mrs Warren had taken out Arnold Clark Vehicle Replacement Insurance and was protected. As a result a cheque was issued for the sum of £6,500 covering the difference between her insurance company payout and the VRI Cover Sum.

Mrs Warren - Edinburgh

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VRI Cover Sum
£20,795
Insurance company settlement
£14,295
VRI payment
£6,500

The names of individuals and places in these otherwise true examples have been changed.

Theft claim example

Mr Knox of Leeds was delighted with the 2½-year-old vehicle which he had purchased from Arnold Clark for £5,838.

However, almost 3 years later his vehicle was stolen as part of a house burglary and was never recovered. With his insurance company having considered the claim Mr Knox received an insurance company settlement of £3,500.

This settlement resulted in a shortfall of over £2,300 against the £5,838 he had originally paid for the vehicle.

Having taken out an Arnold Clark Vehicle Replacement Insurance policy Mr Knox was protected in the event his vehicle was written off as a result of accidental damage, fire or theft. As such a cheque for £2,338 was subsequently issued to Mr Knox to cover the shortfall.

Mr Knox - Leeds

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VRI Cover Sum
£5,838
Insurance company settlement
£3,500
VRI payment
£2,338

The names of individuals and places in these otherwise true examples have been changed.

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Vehicle eligibility

Available on new and used vehicles (including car-derived vans) under six years old at point of purchase. Please note all Value Range vehicles are excluded.

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Goodwill policy

In the event you make a claim under this policy and the benefit payable is less than the premium you paid, we will on a goodwill basis pay you a total benefit equal to the premium you have paid for this policy.

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Enquiries and claims

Simply call our dedicated Helpline on 01926 622661 (Mon to Fri: 9am to 5pm) for advice and assistance. Should you require to make a claim an initial assessment of your claim will be made and providing everything is in order a claim form will be issued to you for completion.

To find out more about our Vehicle Replacement Insurance

*Where the excess payable is not recoverable from a third party or other source.

**Applies to a vehicle purchased via a finance agreement arranged by Arnold Clark.