GAP Coverage

Guaranteed Asset Protection (GAP) Program

Closing The Gap

Protect your investment with RV Complete GAP Protection (Guaranteed Asset Protection). If your RV is stolen or declared a total loss, you’re covered—and in most cases, we even pay your insurance deductible.

GAP coverage helps bridge the difference between your RV’s actual cash value (ACV) and the remaining loan balance, so you can focus on enjoying your RV, not unexpected costs.

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GAP Coverage

RV Gap Protection Features

GAP Protection

Covers the gap between your loan balance and insurance payout if your RV is totaled, giving you complete peace of mind to enjoy your RV adventures.

Replacement Vehicle

Covers up to $1,000 toward a replacement vehicle from the original dealership and helps ease the financial burden after a total loss—support is just a call away.

Long-Term Protection

Provides up to 10 years of GAP protection for both motorized and non-motorized RVs, including thefts not recovered within 30 days and declared a total loss.

GAP Coverage Policy Coverage

Enjoy up to 120 months of GAP coverage for your RV, with eligibility for financed amounts up to $500,000 and terms up to 240 months. In the event of a total loss due to accident or theft, you’re protected—plus, you may receive up to $1,000 toward a replacement vehicle from the original selling dealer. This coverage gives you the security of knowing the GAP amount—the difference between your loan balance and the RV’s actual cash value—is taken care of.

To file a claim, call 1-888-272-5517 or visit www.niufl.com to obtain a Proof of Loss form. Within 90 days, submit the completed form along with your GAP contract, loan agreement, loan payment history, payoff amount, primary insurance certificate, and damage coverage details. Be sure to also include copies of the principal balance, insurance settlement check, police report, and vehicle valuation.