TC GAP PROTECTOR
GAP insurance, also known as Guaranteed Asset Protection – The guarantee is that in the event of your car is declared as total loss due to accident, fire or stolen, GAP Insurance will cover your financial obligations and leave you free to start hunting for a replacement vehicle. Protect yourself financially when you owe money on a depreciated vehicle.
You may consider TC GAP PROTECTOR if your new car involves less than a 20% down payment, financed for 60 months or longer, a lease arrangement, or rolled-over negative equity from a previous loan.
TC RTI-GAP
Standard motor insurance often only covers your car’s current market value—leaving you to pay the “gap” if your vehicle is totaled or stolen. Our TC RTI-GAP (Return to Invoice) plan bridges that financial gap. In the event of a total loss, we reimburse the difference between your insurance payout and the original purchase price of your car. It’s the ultimate way to ensure your investment is fully protected, allowing you to get back on the road without the financial burden.
TC RTI-GAP Benefits
One-time premium
One-time premium payment for protection up to 5 years.
Super affordable!
Start at only RM0.15* a day!
*Rate based on GAC Enzoom Standard 2 years plan.
Maximum payout
Maximum payout up to vehicle purchase price as per purchase invoice.
Eligibility
Eligible for all car models up to 4 years old.
Excluded All EV model, Toyota Hilux, Vellfire and Alphard. *Subject to change*
Ultimate car replacement protection plan
GAP Insurance will cover your financial obligations in the event of your car is declared as total loss due to accident, fire or stolen.
Hassle-free Claim
Hassle-free and easy claim processing and settlement.
Frequently Asked Questions (FAQ)
TC RTI-GAP is an ultimate car replacement protection plan for vehicles which provides coverage for the financial gap between the amount received from your Comprehensive Motor Insurance Policy and the Vehicle Purchase Price in the event of a total loss from accidental damage, fire, or theft. The payable amount can be used to clear your vehicle outstanding loan or as down payment when you purchase a new car.
Premiums are payable as a one-time payment and vary based on your vehicle model and chosen plan (available from 2 to 5 years).
Kindly refer to the brochure for the estimated premiums, for the actual payable amount, kindly contact our Sales advisor or call 1800-88-8185 for assistance.
No. The period of Insurance is effective immediately from the policy commencement date to the expiry date or upon payment of a valid claim. Your policy's expiry date shall be counted from your first registration date based on your chosen insurance plan.
Eligible for all car models up to 4 years old exclude the following models:
All EV model
Toyota Hilux
Toyota Vellfire
Toyota Alphard
*Subject to change
Yes, the customer may purchase any brand of new car as a replacement.
- Your Car must be permanently registered in Malaysia.
- Your Car must be insured or covered under a Private Car Comprehensive Insurance Policy.
- Your Car must be 4-years old and below.
- You are named as the policyholder or certificate holder in the Private Car Comprehensive Insurance Policy for the car.
- You must be 17 years old and above.
- Your Car Original purchase price/ On-The-Road price up to RM500,000.
