Gareth Evans

Top-Up GAP Insurance

by Gareth Evans on June 26, 2018

Are you interested in Top-Up GAP Insurance?  Regardless of the age of the vehicle, this policy will pay you an additional 25% on top of the total loss valuation provided by the motor insurer if it is declared a write-off.

Please open link below for further information: 

TPG_FLR_140617 – Jul 2…

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Gareth EvansTop-Up GAP Insurance

Have you thought about Cyber Insurance for your Business?

by Gareth Evans on July 10, 2017

Due to modern times, nearly every action at work will involve the use of a computer or access to the internet.  With more companies using digital files than ever before, it is crucial to make sure that the data is protected and can be accessed easily to allow for your business to operate.

Cyber & Data Risks Insurance offers comprehensive protection for your computer systems and data under one policy and is designed to support your business if it suffers a data breach or is the subject of a malicious hacker that attacks the computer systems.

Here at CIC, we have access to several specialist schemes which can offer the following cover:

Ransomware – Cyber Extortion
This offers protection if a hacker attempts to hold your business to ransom by covering the ransom you have paid, as well as the services of a leading risk consultancy firm to help manage the situation.

Data Breach Costs
In the event of a data breach (electronic or otherwise), this can offer on-going support including forensic investigations, legal advice, notifying customers or regulators, and credit monitoring.

Cyber Business Interruption
 This provides compensation for loss of income, including where caused by damage to your reputation if a hacker targets your systems and prevents your business from earning revenue.

Hacker Damage
This covers reimbursement for the costs of repair, restoration or replacement if a hacker causes damage to your websites, programs or electronic data.

Crisis Containment
If there is a data breach, confident communication is vital to help minimise the damage to your company’s reputation.  Your company would be offered expert support, from developing communication strategies to running a 24/7 crisis press office.

Multimedia Liability
This provides protections if you mistakenly infringe someone’s intellectual property rights (e.g. copyright), for example by using a picture online without permission, or inadvertently libel a third-party in an email or other electronic communication

Privacy Protection
If you fail to keep customers’ personal data secure, cover can be offered to defend and settle claims made against you.


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Gareth EvansHave you thought about Cyber Insurance for your Business?

Travel Insurance

by Gareth Evans on July 4, 2017

Travel insurance is intended to cover medical expenses, trip cancellation, lost luggage and other losses incurred while travelling, either internationally or domestically.

It is particularly important if you want to ensure that you can afford medical care whilst abroad.  Research has shown that the average cost for overseas medical treatment is £2,040, but this figure can be much higher in certain countries such as the USA.

Most policies will include cover for:

  • Lost or stolen bags
  • Emergency medical expenses
  • The costs of cancelling, delaying or cutting your trip short (curtailment)
  • Personal liability, in case you’re sued for damaging property or causing injury whilst away

We recommend that a Travel insurance policy is arranged at the time of booking to cover the duration of that trip. Likewise, you could also set up an “annual multi-trip” policy which covers an unlimited number of trips within a 12 month period.

With so many different types of holiday available nowadays, making sure that you have the right cover for your trip abroad is extremely important.  Here at CIC, we have the facility to accommodate standard travel risks as well as more complex cases such as those with pre-existing medical conditions, over 65s and those partaking in dangerous activities (e.g. skiing, mountain climbing, scuba diving)

Our single-trip or annual multi-trip policies provide a wide range of cover including:

  • £10 Million Emergency Medical & Treatment Expenses
  • £5,000 Cancellation, Curtailment & Trip Cancellation
  • £1,000 Missed Departure
  • £5,000 Holiday Abandonment
  • £2,500 Personal Effects & Baggage (Single Article Limit of £400 for Valuables)
  • £500 Personal Money & Travel Documents
  • Accidental Death & Disability Benefit
  • £2 Million Personal Liability
  • £25,000 Legal Expenses

Please feel free to give us a call for a quote or, if you would like to obtain a ‘quick quote’ please visit

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Gareth EvansTravel Insurance

Merry Christmas from CIC!

by Gareth Evans on December 21, 2016

Our office opening hours over the festive period are as follows:

Friday 23rd December 2016 – 9.00 am – 12.30pm

Monday 26th December 2016 – CLOSED

Tuesday 27th December 2016 – CLOSED

Wednesday 28th December 2016 – 9.30am – 12.30pm

Thursday 29th December 2016 – 9.30am – 12.30pm   

Friday 30th December 2016 – 9.30am – 12.30pm

Normal hours resume on Tuesday 3rd January 2017.


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Gareth EvansMerry Christmas from CIC!

Mind the GAP!

by Gareth Evans on September 15, 2016

Have you purchased a vehicle within the last 60 days or shortly planning on buying one?  Are you worried about protecting the value of your new vehicle if it is written off or stolen & not recovered?

You might think that GAP Insurance is a type of cover that is only offered by motor dealerships.  However, at CIC, we can offer this at premiums which are on average 40% cheaper than from a motor dealership.

Earlier this year, guidelines were introduced which changed the way that dealerships can sell GAP insurance.  The dealer now has to give you (the customer) four days from offering the pre-sale GAP information to allow you to shop around before committing to their policy.  This means that you have time to approach us and for us to save you money!

One of the reasons for this is that the dealership are required to apply an Insurance Premium Tax rate of 20% to match the VAT amount, rather than the current rate offered by us of 9.5%.

We currently offer the following types of cover:

Purchase Price Protection GAPThis pays the difference between the motor insurers total loss settlement at the time and the original net invoice price paid by you for the vehicle (up to an agreed benefit level).

Here is an example of how this works:

Vehicle Vauxhall Antara
Date of Purchase October 2013
Purchase Price £11,599
Date of Total Loss May 2016
Total Loss Valuation £8,250
GAP Claim Payment £3,349


Lease GAP – This pays the difference between the Motor Insurers total loss settlement and the Early Termination charge applied by the vehicle lease company.

Combined Purchase Price Protection & Finance Shortfall GAP – As well as paying the difference between the motor insurer’s total loss settlement and the original net invoice price paid for the vehicle for the first 3 years, the cover will revert to cover the difference between the motor insurers’ total loss settlement and the balance outstanding to the finance company in years 4 and 5.

Finance GAP – This will pay the financial shortfall between the motor insurer’s total loss settlement and the Early Settlement Amount owed to the Finance Company (up to the benefit level). The settlement is made direct to the finance company.

An example of this is as follows:

Vehicle Volkswagen Crafter
Date of Purchase October 2014
Purchase Price £21,000
Date of Total Loss June 2016
Total Loss Valuation £14,050
Finance Outstanding £16,173.40
GAP Claim Payment £2,123.40


Don’t miss the  opportunity to contact us for a quote on 01628 531411!


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Gareth EvansMind the GAP!

How we can help as an insurance broker

by Gareth Evans on February 18, 2016

We are often asked by customers how we can help as insurance brokers in comparison to direct or online insurers.

This video animation created by the British Insurance Brokers’ Association (BIBA) shows some of the ways that we can assist, especially if you are struggling to find appropriate cover or having difficulties with making a claim.


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Gareth EvansHow we can help as an insurance broker

Merry Christmas from CIC!

by Gareth Evans on December 24, 2015

Our office opening hours over the festive period are as follows:

Thursday – 24th December 2015 – 9.00 am – 12.30

Friday – 25th December 2015 – CLOSED

Monday – 28th December 2015 – CLOSED

Tuesday – 29th December 2015 – 9.30 – 12.30

Wednesday – 30th December 2015 – 9.30 – 12.30

Thursday 31st December 2015 – 9.30 – 12.30   

Friday 1st January 2016 – CLOSED

Normal hours resume Monday 4th January 2016.



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Gareth EvansMerry Christmas from CIC!