Motor Ombudsman expands coverage of ADAS and GAP insurance

The Motor Ombudsman encouraged increased clarity around GAP insurance, requiring accurate information on price, coverage and exclusions to be provided to customers.

Dylan Robertson

June 2, 2025

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Motor Ombudsman

The Motor Ombudsman has expanded its Codes of Practice in response to the changing automotive industry, after consulting with dealerships and manufacturers.

The additions to the Codes of Practice will include guidelines on the sale of Guaranteed Asset Protection (GAP) insurance, as well as regulating information on Advanced Driver Assistance Systems (ADAS).

Salespeople will be required to provide accurate and clear information on a vehicle’s ADAS abilities, in order to prevent buyers from misunderstanding the systems.

The Motor Ombudsman encouraged increased clarity around GAP insurance, with the codes requiring accurate information on price, coverage and exclusions to be provided to customers.

The codes also place responsibility on dealerships for any actions undertaken by associated GAP insurances sales agents.

Bill Fennell, managing director at The Motor Ombudsman, said: “With our Codes of Practice established as a key driving force in the self-regulation of the UK’s motor industry, it is important that they remain aligned and keep pace with technological advancements and innovation, as well as with the latest trends in consumer buying behaviour, so as to provide the best possible level of coverage and protection.

“This is especially pertinent as the profile of car ownership changes more profoundly over the coming years, as a gradual shift is made away from the internal combustion engine on the road to 2030 and beyond.”

7,500 retailers and repair facilities have committed to abiding by the codes since the Ombudsman’s establishment in 2016.

The Ombudsman has also revised guidance on service plans, warranties, and roadside assistance packages, intended to avoid high-pressure sales tactics, and boost consumer confidence.

New guidelines introduced by the Ombudsman will also see staff training required for the maintenance of electric vehicles and hybrids, and new regulations on the sale of vehicles through the direct agency model.

The updated code is supported by a series of online training resources, with guidance on implementing the new practices.