Vehicle Shortfall
Insurance

For Claims or Enquiries call 01926 622661

Download the brochure here

What is Vehicle Shortfall Insurance (VSI)?

Accidents and thefts are an unfortunate part of car ownership which we all insure against. However, your motor insurance policy typically only pays out the current market value of your car at the time of the claim. This means you could lose thousands on the price you paid for the car, not to mention having to deal with stress and inconvenience.

With VSI, you’re protected, as VSI pays out the shortfall (or gap as it’s sometimes known) between your motor insurance settlement and the invoice price of your car.

What would you do if your vehicle was a total loss?

Buy peace of mind from only £9.99 per month

Download brochure

What’s included with VSI?

With VSI from Arnold Clark, you get a comprehensive package to minimise the inconvenience of a written off car.

Shortfall cover

We’ll cover the difference between your motor insurance settlement and the price you paid for your car. Cover lasts for up to 4 years and pays out the full invoice value you originally paid out for your car.

Temporary replacement vehicle

If your vehicle is a total loss, this policy will provide a temporary replacement vehicle for up to 30 days. If your vehicle is a total loss, this policy will provide a temporary replacement vehicle for up to 30 days.

Insurance excess cover

Whether your car is a write off or not, we’ll reimburse your motor insurance excess up to the value of £500 where it cannot be recovered from a third party. You can claim as many times as you want each year provided the amount claimed back throughout the period does not exceed £500.

Product cover

We don’t just cover the price of your car. We also include any aftercare products bought through Arnold Clark including our Service and Clark Plans, Autocare mechanical warranty and our Protect paint and upholstery warranty. We’ll even cover manufacturer servicing or extended warranty plans up to the value of £500.

How much does it cost?

Arnold Clark VSI cover starts at just £9.99 per month, and cover lasts for 4 years, or less if you want to cancel earlier.

We’ll even give you the first months cover free.

£9.99 per month

For vehicles that cost no more than £14,999.
Provides up to £15,000 of total benefit.

£12.99 per month

For vehicles that cost no more than £49,999.
Provides up to £25,000 of total benefit.

£15.99 per month

For vehicles that cost up to £100,000.
Provides up to £35,000 of total benefit.

Interested?

Talk to your Arnold Clark Product Consultant to arrange cover.

Download brochure

Frequently asked questions

Who can buy Arnold Clark Vehicle Shortfall Insurance?

We can sell a VSI policy to anyone in the process of buying a car from Arnold Clark. Your Product Consultant will arrange the policy and guide you through the process.

VSI is available on any new or used car we sell up to a maximum age of 10 years old, and a maximum value of £100,000.

Who can I contact to discuss my policy?

Our helpline is open Monday - Friday 8.30am - 5pm.
01926 622661.

My insurance has declared my vehicle a total loss. When should I contact Arnold Clark VSI?

As soon as you become aware that your motor insurance policy have declared a total loss on your vehicle, you should contact us. In any case, you must contact us before accepting a settlement offer from your insurer. More information can be found in the policy document linked here.

Example

A customer bought a 4 year old car for £20,000 on 1st June 2020, along with a service plan at £250 and a warranty at £500.

In July 2023, she was in a single car accident resulting in a total loss, with no third party involved. This meant she had to pay her £400 excess, and was not entitled to a courtesy vehicle from them.

The customers insurance valued the 7 year old car at £13,000, leaving a Shortfall of £7,000 on what it was originally purchased for, or £7,750 if you include the service and warranty products.

The VSI policy paid out £7,750 to the customer, returning her to the same position she had been in when she bought the vehicle. As well as this, she also had her £400 excess re-imbursed, and was provided with a temporary replacement vehicle for 30 days, giving her time to arrange her new car.

What if I sell my car before the 4 year policy ends?

You can cancel this policy at any time during the policy period, at which point we’ll stop collecting your direct debit payments.

Where can I view full terms and conditions?

Full terms and conditions, and further information on the policy can be viewed in the policy document linked here.

For Claims or Enquiries call 01926 622661

Download the brochure here