Just reading the policy for my GAP cover

Only conditions are

Car has to be insured fully comp
They will only pay out of the person driving at the time of incident is fully comp
If total loss occurs due to civil disorder
And if ur pissed/on drugs at the time of the accident
Also does'nt include damage to extra's bought at the same time of the car (included in on the road price), unless there covered in ur car insurance

IE uprated sterio etc etc