A red Porsche 911 Carrera parked in front of an impressive modern building.
Guaranteed Auto Protection (GAP)

Coverage in case of a total loss.

What is GAP?

In the event your Porsche vehicle is declared a total loss due to an accident, theft, or natural disaster, your primary insurance company might only reimburse you for the amount equal to their assessment of the market value of your vehicle at the time of the total loss, less your deductible amount. As a result, there could be a significant gap between what your primary insurer pays and the balance you owe on your Conditional Sale Contract.

Porsche Guaranteed Auto Protection (GAP) may help protect you by waiving some or all of the difference.⁸

Available on new, pre-owned, and Porsche Approved Certified Pre-Owned vehicles on Porsche Financial Services Conditional Sale Contracts at the time of vehicle purchase only.

How GAP protects your investment.

Here is an example of how Porsche GAP might help cover a $75,000 vehicle declared a total loss:⁸

Outstanding vehicle retail contract balance
Insurance assessment of vehicle's actual cash value

75 000 $

-66 500 $

Amount you owe
Primary insurance deductible

= 8 500 $

+ 1 500 $

Your potencial expense
Waived Benefit

= 10 000 $

- 10 000 $

Out-of-pocket expenses with GAP

0 $

Coverage information:

Waives up to $50,000 of the “gap” due to a covered total loss

Coverage for your primary insurance deductible up to $1,500

Protection for the amount financed up to 150% of the vehicle’s MSRP/Black Book value⁹

Protection for vehicle retail contract terms up to 84 months¹⁰

Transferable for a fee if you sell your vehicle to a private party¹¹

Cancelable at any time; after 30 days, subject to a fee¹¹

Coverage exclusions may apply:¹²

Any amount or terms exceeding the program maximum limits listed under “GAP benefits” or in your Addendum

Any amounts owed on your Conditional Sale Contract resulting from late fees, due date changes, or from missed, delinquent, deferred, or skipped payments

Total losses resulting from dishonest, fraudulent, or illegal acts (such as DUI) by customer, customer’s family member, or other person acting with customer’s permission

Vehicles used for competitive racing or for a prohibited commercial purpose, including, but not limited to, ride share services

If the customer has refinanced the original Conditional Sale Contract or the original covered vehicle

Deductions taken by the primary insurer for prior damage, salvage, missing items, excess towing, custom equipment, and storage

8Please refer to your Addendum for details. GAP programs vary by Porsche Centre/province of purchase. Maximum eligibility limits, coverage limits, and exclusions apply. Note that you remain responsible for past due payments, late fees, other charges on your Conditional Sale Contract, and any other amounts that are not covered by the GAP product.9This is a limitation on the ratio of the Conditional Sale Contract amount compared to the vehicle value. No coverage will be provided for the portion of the outstanding Conditional Sale Contract balance resulting from the amount financed being greater than 150% of the MSRP/Black Book value of the vehicle. In the event of a total loss, the outstanding Conditional Sale Contract balance will be re-amortized as if the amount financed were 150% of the MSRP/Black Book value (unless province law provides otherwise).10This is a limitation on the Conditional Sale Contract term. No coverage will be provided for the portion of the outstanding Conditional Sale Contract balance resulting from the Conditional Sale Contract term being greater than 84 months. In the event of a total loss, the outstanding Conditional Sale Contract will be re-amortized as if the Conditional Sale Contract term were 84 months (unless province law provides otherwise).11Please see your Addendum for complete transfer and cancellation rules, including province-specific transfer and cancellation rules.12Additional exclusions may apply. Please see your Addendum for specific coverage details, including limitations and exclusions.

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