Comparison of "Extended" Coverage Upgrade by Insurance Company

Coverage Description

El Águila ABA Seguros ACE Seguros Quálitas HDI Seguros GNP

Limited GAP Coverage

Yes - up to
15% above ACV

Yes - up to
15% above ACV

No

No

No

No

Increased labor cost for vehicle repairs in U.S. or Canada

Yes
$100 all
vehicles types

Yes
$100 all
vehicles types

Yes
Varies $50-$75
by vehicle type

Yes
Varies $50-$75
by vehicle type

Actual Cost of
Repair for all
vehicle types

Yes
Varies $50-$75
by vehicle type

Limit of 3rd Party Liability

$300,000

$300,000

$300,000

$300,000

$300,000

$300,000

Optional $500,000 Liability

Yes

Yes

Yes

No

Yes

Yes

Partial Theft and Vandalism

Yes
$500 Ded

Yes
$500 Ded

Yes
$500 Ded

Yes
$1,000 Ded

Yes
$1,000 Ded

Yes
$500 Ded

Legal Assistance

Same as Limit
of Liability
$300K or $500K

Same as Limit
of Liability
$300K or $500K
$50,000
included in
basic Travel
Assistance
$25,000
included in
basic Travel
Assistance
$20,000
included in
basic Travel
Assistance
$50,000
included in
basic Travel
Assistance

Waive collision deductible if 3rd Party at fault

Yes

Yes

No

Yes

Yes

Yes

Fixed deductible
(Yes for all)

$500 Collision
$1,000 Theft
$500 Collision
$1,000 Theft
$500 Collision
$1,000 Theft
$500 Collision
$1,000 Theft
$500 Collision
$1,000 Theft
$500 Collision
$500 Theft

Medical Payments

$15,000/person
$75,000/accident
$15,000/person
$75,000/accident
$5,000/person
$25,000/accident
$25,000/accident $30,000/person Yes - Varies by vehicle type

Extension of Liability for towed vehicles*

Yes Yes No No No Yes

* This applies in the basic policy terms and conditions and is not part of the Special Coverage Upgrade

Updated October 2016