Alphera Shortfall

Have you thought about what would happen if your vehicle was written off, for example, due to a third party, a fire or theft? In these circumstances you often end up being worse off financially, because your insurer is unlikely to give you back the price you paid for your vehicle.

Also, if you bought your vehicle using finance, your insurance pay out may not be enough to cover the balance you owe your finance company. In these difficult situations, Alphera Shortfall offers you protection against losing out financially.

Alphera Shortfall offers cover in the following ways:

It pays the difference, up to the level of cover you choose, between;

• the comprehensive motor insurer's settlement figure and vehicle invoice price, or
  

• the comprehensive motor insurer's settlement figure and the outstanding finance amount.

• Motor insurers will generally pay you the market value of your car at the time it is written off. With Alphera Shortfall you are covered for any change in value, no matter how old your car is (including any depreciation), up to the level of cover you choose.

Further benefits of Alphera Shortfall

• Immediate cover for new and used vehicles, with no mileage limit.

• You can tailor the level of cover to suit you. Cover levels of £5,000, £10,000, £15,000, £20,000, £25,000, £30,000 and £35,000 are available, up to a maximum of 100% of the original invoice price of your vehicle.

• We can provide cover for 2, 3 or 4 years, allowing you to choose how long you would like cover for.

• You can pay for your policy either in one payment or 12 monthly instalments (at no extra cost).

• If your vehicle is written off or stolen in the first 12 months and you make a claim under the 'new for old' replacement vehicle benefit of your vehicle insurance policy, the remaining term of your Shortfall policy will be transferred to your new vehicle.

• We also cover up to £2000 worth of dealer fitted options.

• In the event of a total loss, our experienced Alphera Protect Services team will be on hand to guide you through the claims process.

To find out more about Alphera Shortfall, please contact your local Alphera Partner. If you need further assistance you can call Alphera Protect Services on 0845 641 9753. Alphera Protect Services lines are open 9.00am to 6.00pm Monday to Friday. 

Alternatively, visit www.alpheraprotect.co.uk.

If you already have a quote number, click here to retrieve your quote.