What is GAP Insurance?

GAP stands for Guaranteed Asset Protection. Originally, GAP Insurance was designed to pay the difference between amount paid under the Comprehensive Motor Insurance Policy in the event of a Total Loss of the Vehicle and the Original Purchase Price of the Vehicle.

There are many versions of GAP Insurance cover, such as:

GAP Insurance Cover Policy Wordings
Shortfall GAP* Download
Shortfall GAP Plus* Download
Vehicle Replacement GAP* Download
Vehicle Replacement GAP Plus Download
Vehicle Replacement GAP Prestige Plus Download

* Discontinued w.e.f. 01 April 2018

The underlying requirement of the GAP Insurance is that there must be a Comprehensive Motor Insurance Policy in force at the time of the accident/ loss and the Motor insurer must declare the vehicle as total loss.

Please refer to the attached policy wordings for more details including the terms and conditions. This product is sold exclusively at Al Futtaim Motor Showrooms.

This is not a Motor Insurance Policy for the purpose of any compulsory Insurance legislation.

For more details on GAP Insurance, please e-mail Mr. Manesh Kutty or call 04-2531356

In the event a claim arises you must Contact the Claims Administrator on at ORIENT INSURANCE PJSC on:

Telephone 009714 2531662, 2531653, 2531655, 2531 300 & fax 009714 2531 500 or


The claims department is open 9:00am to 5:00pm Sunday to Thursday.