What is Car Value Protector?

Car Value Protector is a Gap Insurance policy from helpucover. If your car is written off because it is stolen or involved in an accident, this policy covers the difference between the insurance company valuation of your car at the time of the accident or theft, and the value of the car when you originally purchased Car Value Protector.

Why do I need Car Value Protector?

Because purchasing a car is a big investment and cars depreciate in value very quickly. If your car is written off, normal car insurance will pay against the value of the car at the time of the accident or theft, NOT the price you originally paid for it. Gap Insurance makes up the difference.

Why is this important?

Because cars depreciate significantly in value, without Car Value Protector you could be at risk of major financial loss if your car is written off because of an accident or theft. You will need to spend your personal, hard-earned money to clear any outstanding finance and/or buy a new car of similar value to the one you originally bought.

How long can I take Car Value Protector for?

Car Value Protector is available for up to 3 years. You can take out Car Value Protector again, as long as your car is still under 7 years old. A completely new application and current car valuation will be required if you decide to renew your cover after the initial 3 year period.

How much cover will I get?

helpucover's Car Value Protector, Gap Insurance, pays up to £15,000 of cover if your car is written off or stolen.

Can anyone apply?

You need to be 18 years and over and the named driver of the car on the motor insurance policy.

How old can my car be?

To apply for Car Value Protector, your car must be less than 7 years old and have less than 80,000 miles on the clock.

Does it matter when and how I purchased the car?

No, Car Value Protector is available to you regardless of how or where you bought your car, providing the vehicle is less than 7 years old and has less than 80,000 miles on the clock. Plus, it doesn't matter which payment method you used - cash, private finance, credit or lease purchase.

Do I need to provide an invoice?

YES, you will need to have your original invoice available if you purchased your car from a VAT registered dealer in the last 90 days.

NO, if you purchased your car privately MORE than 90 days ago. In this instance, all you will need to tell us your car registration number when you get a Quick Quote so that we can provide you with a current valuation for your car.

Is there anything I won't be covered for?

Car Value Protector benefits cannot be claimed for individual incidents normally covered by car insurance - i.e. damage to paintwork, bodywork damage capable of repair, windscreens, alloys etc.

Car Value Protector does NOT cover commercial vehicles - vans, mini-vans, buses, lorries, taxis, cars for private hire, motorbikes etc.

How do I claim?

Claiming is simple and straightforward. You can contact the underwriters, Pinnacle Insurance plc and request a claim form by calling 0845 121 2435.

When will helpucover pay my claim?

Once your car is written off, the car insurance paid by the insurer in full and the car forfeited.

Our Customer Service

We take great pride in the quality of service that we deliver but things can go wrong. It is important that you contact us if you are unhappy with any aspect of your experience with helpucover in order that we can look into it for you.

Once you have we will try to respond and resolve your concerns within 24 hours. Where that is not possible then we will write to you acknowledging your complaint. That letter will contain

We will always ensure that you receive an explanation for our actions and that any solution we suggest is a fair one, taking account of all of the circumstances. Occasionally this will mean our investigations will take longer than we would like.

If that is the case we will

The Financial Ombudsman Service (FOS) are an independent organisation that can consider your complaint if you are unhappy with our final response. Once you receive our final decision letter or the letter advising you that you can approach FOS you can contact them at

Telephone 0800 0 234 567 (free if calling from a fixed line) or 0300 123 9 123 (free for mobile phone users paying a monthly charge for calls to 01 or 02 numbers).

A leaflet setting out full details of the Financial Ombudsman Service will be provided to you at the appropriate time.

Contacting Us

We want our customers to be happy with our policies and will welcome any feedback you have. To ensure everybody can contact us in the way that they feel most comfortable you can raise your complaint in the following ways

Whatever way you decide to contact us, we would ask that you have a policy or claim number available in order that we can locate your details as quickly as possible.

When writing could you also please ensure you include a description of your concerns, copies of any relevant documents and tell us what you feel is needed to put things right. If you would like one of our Customer Relations team to call you please mention this in your letter/e-mail.

The parties to this contract are free to choose the law applicable to it. If you live in Scotland, Northern Ireland, the Channel Islands or the Isle of Man you may choose to commence legal proceedings in your local courts. In any other cases unless there is agreement to the contrary English law will apply.

The helpucover Car Value Protector plan is underwritten by Pinnacle Insurance plc. This policy is available to UK, Isle of Man or Channel Island residents only.

Take out helpucovers Car Value Protector Gap Insurance, TODAY and protect the difference between what your car is worth today and what your insurance company would pay out should the worst happen - so you will not be out of pocket.