Have you ever thought about this awkward scenario when you’re still paying off your car: It is written-off due to an accident or stolen and not recovered, but you owe more money on it than your insurance will payout. You end up still having to pay off a car that you no longer own. Not cool.
At Dialdirect, you can be certain your outstanding debt to your finance company will be paid off even if there’s a credit shortfall. How? With Auto Top-Up cover.
Who needs an Auto Top-Up quote?
If your car is already comprehensively insured with us, or you are looking for this as a stand-alone product, and its insured value (whether trade, retail, or market value) is less than what you still owe to your financing house, you can get Auto Top-Up. This value-added product is also available separately if you’re not covered by us.
Auto Top-Up upgrade
You can upgrade your Auto Top-Up policy by adding the Deposit Protector. If your car is written-off or stolen, we’ll also pay out an amount equal to the deposit you paid on the car or 10% of its total value, whichever is the lower amount.
How does Auto Top Up work?
It’s simple. Whether your vehicle is comprehensively insured with us or looking to get this as a stand-alone product, you can add Auto Top Up and Deposit Protector to your cover. Then, if your car is stolen and not recovered or if it’s written-off, you can claim on the Auto Top-Up in addition to your Car Insurance. Not only will we pay off the credit shortfall on your finance deal, but if you have the Deposit Protector, we’ll pay out an amount to put towards the deposit for a new car.
Auto Top-Up benefits
You don’t pay any excess on Auto Top-Up or the Deposit Protector when you claim, so you can get the maximum payout possible.