GENUINE CLAIM: Mrs Erysthee's £16995 BMW was stolen as a result of theft with keys. The settlement she received from us was £4425. She now has another policy with us for two more of her vehicles.

GENUINE CLAIM: Ross Dearden purchased a Gap policy. 11 Months later his car was declared a total loss. We pay the value lost in depreciation resulting in a policy benefit from us of an additional £4,025.

GENUINE CLAIM: Mr Brickland purchased a policy from us for his three and a half year old £19,500 Mercedes. Due to icy conditions, just 9 months from policy inception, his car was damaged beyond repair and declared a total loss. In 9 months, his three and a half year old Mercedes had depreciated by another 25%. His motor insurers settlement didn't include the value lost depreciation. We pay the value lost in depreciation resulting in a policy benefit from us of an additional £5000.

GENUINE CLAIM: When Mr McKeith purchased a policy from us in June 2007 for his £14,000 Jeep Cherokee, his car was already over four years old. 18 months later his motor insurer declared his car a total loss. They paid settlement, which didn't include the additional 28% lost in depreciation since Mr McKeith took out his policy. We pay the value lost in depreciation and our settlement paid Mr McKeith £4,263.

GENUINE CLAIM: Mr Chapman purchased a policy from us in 2007, 34 months later his car was declared a total loss. His motor insurance settlement did not include the value lost in depreciation. We pay the depreciation and he received an additional settlement from us of £8,543

GENUINE CLAIM: Mr McElroy's Peugeot 207 was declared a total loss after an accident 20 months into his policy, his settlement from the motor insurer didn't include the £5,493 lost in depreciation. Our policy benefit paid the depreciation of £5,493 directly to him.

GENUINE CLAIM: Mr Slinns' 18 month old BMW X5 was declared a total loss after an accident 30 months into his policy. His motor insurance settled the total loss, but only the "market value", that doesn't include any value lost in depreciation. We pay the amount lost in depreciation and Mr Slinn received an additional settlement from us of £15,363.

GENUINE CLAIM: 28 months into his policy Mr Nicholls' £15700 Seat Cupra was involved in an accident, writing his vehicle off. We paid the depreciation, our settlement was £6915.

GENUINE CLAIM: In 2009, Mr Robert's £23500 BMW Z4 was written off 25 months into his policy. A GAP benefit of £6102.40 was paid directly to Mr Roberts, which was used to purchase his next vehicle, which is currently under risk with us.

GENUINE CLAIM: In November 2007 Miss Macierzynski's purchased a policy from us for her three year old £15250 Cherokee Jeep. Just six months later she was involved in a non-fault accident and her car was written off. In just 6 months her car had depreciated by a further 13%. Her motor insurers settled, but didn't include the value lost in depreciation. We pay the depreciation and issued settlement of the value lost in depreciation directly to Miss Macierzynski of £2,050.00

GENUINE CLAIM: Jonathan Cliff purchased a policy for his Mazda in 2006. In January 2008, just 16 months, his car was declared a total loss. His motor insurers settled the total loss value, which doesn't include depreciation. We pay the depreciation and Mr Cliff received an additional settlement of £4852.

GENUINE CLAIM: Ross Dearden purchased policy from us for his new Peugeot 207. Eleven months later his car was declared a total loss. Like most motor insurers, his total loss settlement didn't include the value lost in depreciation. We pay the depreciation and Mr Dearden received settlement from us directly of £4,025

GENUINE CLAIM: In 2006 Mr Needham purchased a policy from us. In 2009 his house was burgled, car keys stolen resulting in his Nissan X-Trail being stolen from the driveway. His motor insurers settled the total loss, but Mr Needhams car had lost £10,000 in depreciation. We pay the depreciation and our policy benefit paid and additional £10,000 directly to Mr Needham, he now has another policy with us for his new Nissan.

GENUINE CLAIM: In 2007 Mrs Helyers £11995 Citroen VTR was vandalised 14 months after purchasing a policy from us. Her motor insurers settled the total loss, but her car had already lost over £4000 in depreciation. We pay the depreciation and Mrs Helyers received an additional settlement from us of £4281.13 which helped her purchase another vehicle. Unsurprisingly she was happy to take out a policy for her new car which is on risk with us today.

GENUINE CLAIM: Just 6 months after buying a policy from us in 2008 for his 1 year old Audi A4, Some-one crashed in to the back of Mr Goodiers car. His motor insurer declared the car to be a write-off. He received his motor insurers settlement? less the lost value in depreciation. We pay the depreciation and paid the additional settlement of £2186 directly to Mr Goodier.

GENUINE CLAIM: Just over a year after buying his policy, Mr Vincent's Ford Focus was stolen as a result of theft with keys. As it was never recovered, his motor insurer declared it a total loss and paid settlement of the value of the car on date of loss, this didn't include the loss of value due to depreciation of over £2000. We pay the deprecation and Mr Vincent received an additional settlement for us of £2595. He now has another policy with us for his replacement vehicle.

GENUINE CLAIM: John Downs purchased his policy from us December 2008. In November 2010, 23 months later, his car was declared a total loss. Our policy benefit paid the depreciation of £4670

GENUINE CLAIM: When Scott Payne purchased his policy in January 2010, he didn't imagine he would be claiming just 5 months later or that his car would have already depreciated by £1734. His motor insurance settlement didn't include the loss in value due to depreciation. We pay the depreciation and Mr Payne received an additional settlement from us of £1734

GENUINE CLAIM: Katherine Jones purchased a policy for her £7725 Nissan Micra in March 2008. Just 8 months later, in November that year her motor insurers declared the car to be a total loss. They settled the market value, the value of the car on date of loss - the value lost in depreciation was £1,025. We pay the depreciation and issued settlement directly to Ms Jones of £1025

GENUINE CLAIM: Mr Shahzads car was declared a total loss in July 2009. The settlement he received from us was £2195, he purchased his policy in July 2007.

GENUINE CLAIM: After purchasing his GAP insurance policy from us in 2007, an unfortunate accident occurred, resulting in Mr Sansome's £8000 Honda Integra being declared a total loss. Policy settlement of £1950 was paid directly, a depreciation loss of 24% in just 9 months!

GENUINE CLAIM: Mr Davidson's purchased a policy for his 2 year old £5600 Vauxhall Corsa. Twelve month's into his policy, it was written off after a collision with another vehicle. Like most motor insurers, they valued the car after depreciation. Our policy benefit paid the deprecation of £1045.00. This contributed towards another Corsa which he was happy to put on risk with us t

GENUINE CLAIM: Mr Patel's BMW 318 was declared a total loss in 2009 just 3 months into his GAP policy. His car had depreciated by £506 a month, our settlement to Mr Patel was £1518.

GENUINE CLAIM: 16 Months into Mr Phillipou's policy his £9250 Saab 9-3 was stolen. A settlement of £2309 was issued directly. A 25% in depreciation!

GENUINE CLAIM: Stephen Goodier's £19000 Audi A4 was hit from behind 4 months into his policy. This resulted in a total loss claim. Our settlement was £1686. That's a depreciation of £421.10 a month!

GENUINE CLAIM: Alan Blyth had crashed his BMW M5 within 3 months of purchasing his policy. His motor insurance paid the total loss, but valued his car after depreciation. We pay the depreciation, which after just three months was £2160. That's a depreciation of £720 per month!

GENUINE CLAIM: Mrs Boaden purchased a policy from us in 2008 for her £22,000 two year old Volvo C70. After an unlucky accident, just 10 months later, her motor insurer declared the car a write off. Mrs Boaden received her settlement from the motor insurer, but it didn't include the depreciation. We pay the depreciation and she received settlement from us directly of £4025.00. That's a depreciation of over £402 per month!