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If you are buying a vehicle on Hire Purchase then you might want to understand how Total Loss Gap Invoice and Replacement cover (more info at http://totallossgap.co.uk/why-buy-tot...) might work in that case. In the event of the vehicle being written off (that is stolen, in an accident etc) and your motor insurer agrees to pay you the 'market value' then you may still have finance still to pay on a hire purchase agreement. Total Loss Gap will provide a settlement between the motor insurers settlement and the higher of the outstanding hire purchase settlement -the original invoice price paid -the cost of the replacement vehicle matching your vehicle, on the day you bought it. This means you shoudl always have enough to pay off your hire purchase agreement and also have a deposit to go and buy another car. For more details please visit our Total Loss Gap website or call us on 0800 195 4926