Bentley Gap Protection

Protect your investment

What is GAP?

In the event your Bentley is declared a total loss due to an accident, theft, or natural disaster, your insurance company might reimburse you only for your vehicle’s assessed value. As a result, there could be a significant gap between what your insurer pays and the balance you owe on your retail loan plus your insurance deductible.

Bentley Guaranteed Auto Protection (GAP) safeguards you by waiving the difference between your primary insurance settlement and the outstanding balance on your vehicle’s financing.

Available on new, pre-owned, and Certified Pre-Owned vehicles on Bentley Financial Services Retail Installment Sale Contracts at the time of vehicle purchase only.

  • In the event of a claim:
    • Loans over 150% of NADA value or MSRP will be re-amortized to 150%
    • Terms over 84 months will be re-amortized to 84 months

Considering the common risks associated with theft, collision, and natural disasters, Bentley GAP can help put loan deficiencies and insurance deductibles behind you in the event of a total loss*.

Coverage information:

  • Waives the amount equal to the unpaid net balance of your loan less the Actual Cash Value of your vehicle as determined by the primary insurance company. In some instances the Actual Cash Value will be based on a regionally-used and industry-accepted source.
  • Includes coverage for up to $1,500 of your primary insurance deductible**
  • Waives covered losses up to $50,000

How GAP protects your investment.

Here is an example of how Bentley GAP might cover a $200,000 vehicle declared a total loss:

Outstanding loan balance $200,000 Insurance assessment of vehicle’s Actual Cash Value***, less $1,500 deductible - $175,000

Your potential expense $25,000 Waived by GAP - $25,000

Amount you owe $0

Coverage exclusions may apply****:

  • Any amount or term exceeding the program maximums
  • The following deductions taken by the primary insurer: prior damage, salvage, missing items, excess towing, custom equipment, and storage
  • Total losses resulting from the customer’s dishonest, fraudulent, or illegal acts (such as DUI), or those committed by the customer’s family member or other person acting under the customer’s authority
  • Vehicles used for competitive driving, racing, or a prohibited commercial purpose
  • Leased vehicles or balloon loans

*Please refer to your GAP addendum for details. Programs vary by state. Maximum eligibility limits and certain exclusions apply. Note that you remain responsible for any past-due payments, late fees, and other charges on your loan.

**Insurance deductible coverage is not available in all states.

***Vehicle’s current value as determined by your insurance company.

****Additional exclusions may apply. Please see your addendum for specific coverage details, including limitations and a complete list of exclusions

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