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APEX Protection is our branded GAP (Guaranteed Asset Protection) insurance. If your vehicle is declared a total loss, your motor insurer usually only pays the current market value. APEX covers the financial shortfall between that payout and either your original purchase price or outstanding finance (whichever is higher), subject to policy terms and exclusions.

Yes — comprehensive insurance only pays the market value at the time of loss, which is usually lower than what you paid or owe. APEX is designed specifically to protect that financial gap so you are not left with unexpected debt after a total loss.

The fastest way is via our portal at www.mypremia.co.uk (recommended). You can also call 01926 662 660. You will need to submit supporting evidence such as photos and claim details. Claims must be reported as soon as possible and within 30 days of the incident.

Once all required documentation is received, claims are assessed as quickly as possible. Timelines vary depending on evidence and insurer settlement, but using the portal helps significantly speed up processing.

You are typically eligible if you are a UK, Isle of Man or Channel Islands resident. Vehicles must be right-hand drive and not used for hire, reward, racing, or certain commercial uses. Some products also require purchase within a set time from vehicle acquisition.

Yes, depending on your dealer arrangement. This is usually done via Premium Funding (monthly payments under a credit agreement) or Pay As You Go direct debit options.

You may be able to transfer your policy to a replacement vehicle or eligible family member. If not, you may be entitled to a pro-rata refund for unused full months, subject to policy terms.

Our products are designed to work alongside your main motor insurance, focusing on real-world financial protection such as depreciation gaps, repair costs, and excess contributions — not just basic vehicle damage.