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Home | F&I Solutions | Automotive | GAP Coverage | RpmPlus Auto Guaranteed Asset Protection Plus

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RpmPlus Auto Guaranteed Asset Protection Plus (GAP)

GAP Plus helps waive what insurance doesn’t cover
If your customer's vehicle is declared a total loss due to an accident, theft or natural disaster, their primary insurance company may only pay for the amount equal to their assessment of the market value of the vehicle at the time of the total loss, less the deductible amount. Unfortunately, there may be a significant “gap” between what the primary insurer pays and the balance they owe on their vehicle finance agreement. RpmPlus Auto Guaranteed Asset Protection (GAP) Plus may help protect your customer by waiving some or all of the difference.¹

  • Waives some or all of the “gap” due to a covered total loss
  • Includes coverage for your customer's primary insurance deductible up to $1,0002
  • No maximum dollar amount on covered losses waived
  • Plus a $1,000 credit available at the selling dealer to be applied toward the purchase of a replacement vehicle3

Coverage exclusions may apply4:

• Any amounts owed on the vehicle finance agreement resulting from late fees, due date changes, or from missed, delinquent or skipped payments
• Total losses resulting from dishonest, fraudulent or illegal acts (such as DUI) by customer, customer’s family member or other person acting under customer’s authority
• Vehicles used for competitive racing or for a prohibited commercial purpose
• If the customer has refinanced the original vehicle finance agreement or the original covered vehicle
• The following deductions taken by the primary insurer: prior damage, salvage, missing items, excess towing, custom equipment and storage

How GAP protects your customer's investment

Primary insurance assessment of vehicle market value at time of total loss


Primary insurance deductible2

- $1,000

Market Value of Vehicle less Primary Insurance Deductible



Outstanding finance agreement balance at time of total
loss, assuming all payments were made on time

- $30,000

Potential amount you owe


Waived by GAP


Out-of-pocket expenses with GAP


GAP Plus Benefit3


1 Please refer to Addendum for details. GAP programs vary by dealer/lender/state of purchase. Maximum eligibility limits, coverage limits, and exclusions apply. Note that your customer remains responsible for past due payments, late fees, other charges on their vehicle finance agreement, and any other amounts that are not covered by the GAP product.

2 Primary insurance deductible coverage is not available in all states. See state-specific provisions in the Addendum for complete details.

3 The GAP Plus product is not available in all states. The $1,000 GAP Plus benefit is only valid at the selling dealer in the form of a credit toward the purchase of a replacement vehicle. The GAP Plus benefit is only available if a GAP waiver benefit has been approved.

4 Additional exclusions may apply. Please see Addendum for specific coverage details, including limitations and exclusions.

RpmPlus Auto Guaranteed Asset Protection Plus is a Revolos legacy product.

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