GAP insurance is generally used as a supplement to accident insurance.
GAP = Guaranteed Asset Protection. GAP insurance is offered in connection with the purchase or financing of a car, and the client is guaranteed for insurance against the original purchase price of the vehicle in case of total damage or theft, or the client is protected against the debt to the leasing company or the bank.

The cheapest option is not always the best option nor the most expensive option the finest. You need to carefully look at the risk you are exposed to and then choose your insurance coverage accordingly.

• Are you buying an expensive vehicle in cash or on a loan and want to be sure that if you lose it, will you be able to pay the same price for another? DEFEND Gap MAX is the right one for you.
• Are you purchasing a car for operating leases and do not want to get into debt to the leasing company in case of theft / total damage? Then DEFEND Gap LEASE is the best choice for you.
• Are you an experienced driver, park your car in a garage, but you are afraid of ‘pirates‘ of the road? DEFEND Gap MINI is here for you.

Unfortunately, this is not possible if the vehicle is sold.
Only in exceptional cases, clearly defined by DEFEND GAP's General Insurance Policy, can the insurance contract be transferred to the new owner (e.g. transfer between family members with the same permanent residence, transfer from estate, divorce transfer).

If your vehicle is found after the date of the postponement of the investigation by the Police of the Poland and the indemnity from the GAP insurance has already been paid, the found vehicle usually belongs to the insurer of accident insurance so the insurance benefit is not returned.

DEFEND GAP insurance can be arranged within 120 days of the purchase of the vehicle (from the date on the invoice / purchase contract for the vehicle) through the dealer you are buying the car from (if they have a co-operation agreement with us) or with one of our co-operating insurance brokers. If you are interested in DEFEND GAP, please call our information phone line +48 32 797 10 41 or send us an email via info@defendinsurance.pl.

Your vehicle can be covered by emergency insurance at any insurance company in the Poland hat provides motor vehicle accident insurance. Make sure your accident insurance covers all risks of total damage and theft you want to be covered by DEFEND GAP.
Accident insurance is not a condition in the case of the DEFEND Gap MINI insurance option only.

Yes, the accident insurance company can not only be changed during the DEFEND Gap policy’s term, but you can also adjust the insurance amount to the current general vehicle price. Note! In the event that the insurance policies of your accident insurance are not immediately enforced, the DEFEND Gap insurance contract is still valid, but it does not cover you at the time when the accident insurance is interrupted.