It's always good to be prepared in life. Our insurance plans give you peace of mind and confidence. Accidents can affect any of us, or your car might be stolen or written off. At times like this you can rest assured that our comprehensive cover will take care of you.

Fiat Insurance can offer you a range of effective options that keep you in control of your finances.

Combined Gap and RTI Insurance

Combined Guaranteed Asset Protection (GAP) and Return to Invoice (RTI) starts to protect you where your conventional motor insurance stops.

This plan covers any shortfall between the agreed full insured value that your motor insurer pays out and the invoice value of your vehicle or outstanding balance of your finance agreement - whichever the higher.

What is Covered?

  • Combined GAP and RTI covers either the difference between the amount your comprehensive motor insurance company will pay and the vehicle purchase price or the amount you actually owe under your finance agreement, whichever is the greater amount.
  • Your comprehensive motor insurance company will offer you the market value at the time of your claim and this might be less than the amount you paid for your vehicle, especially if you have had your car for a while.
  • Combined GAP and RTI could pay out up to a maximum of the purchase price of the vehicle (cover available is dependant of the purchase price of your vehicle).
  • For a one-off payment get the very best peace of mind protection for up to a maximum of 48 months.


What is SMART?

SMART stands for Small Motor Accident Repair Technology and is a policy designed to assist in maintaining the appearance of your vehicle as at the time of purchase.


The SMART Insurance policy from Fiat provides a small body repair system that will keep your vehicle in showroom condition, without compromising your no claims bonus.

The policy helps ensure your vehicle remains free from chips, minor dents, light scratches and scuffs.

With a SMART Insurance policy from Fiat, your vehicle is covered for damage caused by everyday motoring. You can claim up to £3,000 in aggregate (including VAT). The total cost of repairs cannot exceed the above amount as this is not considered to be ‘minor damage’. There is no excess payable.


  • Choice of 12, 24 or 36 months cover
  • Keep your vehicle in showroom condition
  • Safeguard your no-claims bonus
  • Convenient repairs
  • 3 year guarantee on all policy repairs
  • Friendly and convenient claims centre


  • Private vehicles up to 36 months
  • Up to £3,000 cover, in aggregate, during the period of insurance against:
    • dents not exceeding 15cm in diameter
    • scratches not exceeding 15cm in length
    • chips not exceeding 1.5cm in diameter
    • scuffed bumpers