RV GAP Protection - Trident Funding


Don’t let a total loss leave you with a financial burden. Get GAP protection for your RV today.

As Low As $8.50/month*

GAP DEFENSE™ provides coverage in the event of a total loss due to accident or theft.

Great Coverage Includes:

  • Coverage up to 120 months for GAP Terms on RVs including motorhome, Class A, B, C, 5th wheel, travel trailer, pop-up camper, trailer, and slide-in
  • Coverage up to 135% of the MSRP
  • Coverage up to a maximum loan amount of $500,000
  • Coverage up to $50,000 for a maximum claim payout
  • Coverage for primary protection deductible up to $1,000
  • Coverage up to RVs 20 years old (current year minus 19 years prior
RV GAP Protection

The Importance of GAP Protection for RVs

RVs are significant investments, and their value can depreciate rapidly, especially during the initial years of ownership. In the event of a total loss due to theft or an accident, your protection settlement may not be enough to cover the outstanding loan balance. GAP protection ensures that you're not left with a financial gap and are protected from potential out-of-pocket expenses.

How GAP Protection Works for RVs

In the event of a total loss, such as theft or a severe accident, your primary protection will typically provide a settlement based on the actual cash value of the RV. This settlement may fall short of the remaining loan balance. GAP protection kicks in to cover the difference, ensuring you're not left with a significant financial burden.

Smiling woman in RV window

Benefits of GAP Protection for RV Owners

Investing in GAP protection for your RV offers several benefits, including:

  • Financial Protection: GAP protection ensures that you’re not burdened with a loan balance if your RV is declared a total loss.
  • Peace of Mind: You can enjoy your RV adventures without worrying about potential financial setbacks.
  • Coverage for Depreciation: RVs can depreciate quickly, and GAP protection helps cover the gap between the depreciated value and the loan amount.
  • Reduced Financial Stress: You won’t have to worry about paying off a loan for an RV that you no longer possess.

Factors to Consider When Choosing GAP Protection

When selecting GAP protection for your RV, consider the following factors:

  • Coverage Details: Review the terms and conditions of the policy to understand what is covered and any limitations.
  • Loan Terms: Consider the length of your loan and the potential for depreciation during the early years of ownership.
  • Provider Reputation: Research the reputation of the GAP protection provider, reading reviews and testimonials to gauge customer satisfaction.
  • Cost: Compare the cost of GAP protection among different providers to ensure you’re getting the best value for your coverage.
Choosing the Right Plan

Contact us now to learn more about our comprehensive GAP protection options for RV owners.

Frequently Asked Questions About RV GAP Protection

GAP protection (Guaranteed Asset Protection) for an RV is a type of coverage that can make up the difference (or “gap”) between the amount you owe on your RV loan and the RV’s actual cash value (ACV) in the event of a total loss.

Here’s an example: If you buy an RV and finance it, you might owe more on the RV than it’s actually worth due to depreciation. If your RV is then stolen or damaged beyond repair, your regular protection policy would typically pay you the RV’s actual cash value at the time of the loss, which could be less than the amount you still owe on your loan. This would leave you with a “gap” between what your protection pays out and what you still owe to your lender.

This is where GAP protection comes in. If you have GAP coverage, it would pay the difference between the protection payout and the remaining balance on your loan, effectively covering this “gap” and preventing you from being out-of-pocket for the remainder of the loan.

It’s worth noting that the specific terms of GAP protection can vary between providers, and not all total loss situations might be covered. So, as with any protection product, it’s important to read and understand the policy before purchasing.

GAP DEFENSE™ designed this program to help provide you with peace of mind to help cover the difference you will owe between the fair market value of your RV and your outstanding loan balance at the time it’s totaled or stolen. Plus it pays your protection deductible up to $1,000. 



  • Amount you owe on your RV loan $75,000 
  • Protection settlement paid out $56,000 
  • Protection deductible you owe $1,000 
  • Amount protection company pays you $55,000
  • The GAP you will owe $20,000
  • Gap will pay the $1,000 deductible AND the gap of $20,000

GAP protection is available for both new and used RVs, although coverage options may vary.

Even with a substantial down payment, the depreciation of RVs can still leave a gap between the protection settlement and the loan balance.

Purchasing GAP protection for your RV can provide financial security in the event of a total loss. Here are a few reasons why you might consider it: Financial Protection, Loan Coverage, Depreciation, and Peace of Mind.

*Actual rate can vary depending on loan term and APR, or Annual Percentage Rate.  Trident Funding LLC markets and sells GAP protection on behalf of 3rd party providers and your GAP protection will be between you and the provider.  Coverage, deductibles, and claims payment vary depending on vehicle age, mileage, preexisting conditions and program selected. Repairs can be made by any licensed repair facility. Program(s) available in most states. Not available in California or Florida. You consent to be contacted by email, phone, and/or text once we receive your quote submission. Texas and Wisconsin Residents: Contracts administered by Tire Shield, Inc., P.O. Box 98298, Las Vegas, NV 89193-8298. Vehicle names, logos, brands, & other trademarks featured or referred to within Trident Funding are property of their respective trademark holders. Extended warranties may not be sold where prohibited by law.