Our showrooms are closed however you can still reserve or purchase your car online for home delivery or click and collect. Learn more.

Guaranteed Asset Protection

Let us arrange protection for you against any unexpected financial loss

If your vehicle is written off or stolen then your motor insurer will normally only pay out the current market value of the vehicle. In most cases, this could leave a financial shortfall that you will need to deal with.

Guaranteed Asset Protection (GAP) is designed to cover a motorist’s financial shortfall in the event their vehicle is declared a total loss. We offer several GAP schemes – Finance GAP, Contract Hire GAP, Return to Invoice Insurance and Vehicle Replacement Insurance.

GAP Schemes

Finance GAP:

In the event of loss, Finance GAP covers the potential difference between the vehicles market value and any amount still outstanding on your finance agreement.

Contract Hire GAP:

Contract Hire GAP will cover up to 100% of the remaining rental payments for your vehicle and in addition, this scheme will cover any difference in the market value settlement provided by the insurer.

Return to Invoice Insurance:

This cover is for vehicles bought from a dealer within the last three months. In the event of a loss, this scheme covers the difference between the vehicle valuation and the original purchase invoice value.

Vehicle Replacement Insurance:

If you require a new car, this scheme is designed to help. This scheme covers the difference between the vehicle valuation and the cost of buying a brand new car.

Financing your Vehicle

How does it work with finance? For example, you purchase a vehicle at £18,999. The current finance settlement for your vehicle is £19,200. Your motor insurance company pay-out £12,000. The Guaranteed Asset Protection payout would provide the extra £7,200 to clear your outstanding finance - subject to terms and conditions.

Cash Purchase

How does it work with a cash purchase scenario? You pay £18,999 for your vehicle and your vehicle is written off. Your motor insurance company payout is £12,000. An RTI pay-out of £6,999 tops it up to the price you originally paid - subject to terms and conditions.

Guaranteed Asset Protection Enquiry
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Transport For London

Cars need to meet minimum emission standards when travelling in the Ultra Low Emission Zone (ULEZ) or the daily charge must be paid.

Minimum emission standards

Petrol: Euro 4
Diesel: Euro 6

The ULEZ will be enforced based on the declared emissions of the vehicle rather than the age. However:

Information from Transport For London

Check this car on the TFL website before purchasing: https://tfl.gov.uk/modes/driving/ultra-low-emission-zone/vrm-checker-ulez

SW Car Supermarket

To save timely negotiation all our cars are heavily discounted upfront and offered nearer cost price, saving customers up to £2000 when compared to our competition. This ensures we are treating every customer the same. This fee is a compulsory fee and applies to all customers.

Variable admin fee is charged as listed below:

  1. Retail customers pay £199.
  2. Repeat customers purchasing a 2nd car within 12 months of the original invoice date £0.
  3. Retail customers arranging finance using brokers outside of our immediate panel of lenders £399.
  4. Trade customers making a purchase as the motor trade £499.
  5. Export customers including Northern Ireland and the Republic of Ireland £499.
SW Car Supermarket

Reserve any of our vehicles for just £200. Make the most of the lockdown and secure the car you love before anyone else.

We'll Deliver!

Our delivery service is completely contactless, no need to leave the house, no need for face-to-face contact. Simply find your car online and have it delivered to your door.

Click & Collect

Buy your car online and collect it from our showroom. If you choose to collect your car we will only allow one person into our showroom at a time and we will abide by all social distancing measures.