GAP Guaranteed Asset Protection

Protective’s Guaranteed Asset Protection (GAP) enhances customer satisfaction and maximizes your F&I profit by closing the financial gap when total-loss insurance payouts leave your customers stranded with an additional loan balance.

GAP is available for the following Protective industries:

  • Auto
  • Marine
  • Powersports

Protective GAP benefits:

  • Payable in the event of a total loss
  • Covers the difference, in most cases, between the scheduled loan pay-off amount and the asset’s actual cash value net of refunds
  • Covers customer’s primary insurance deductible up to $1,000 (where state allowed)

How Gap Coverage Works



GAP coverage is available for most new and pre-owned vehicles, marine, watercraft and powersport assets.