Get Peace of Mind With NSD Gap Insurance

Gap insurance, also known as auto loan/lease coverage, can provide vital financial protection if your vehicle is totaled or stolen. NSD Gap Insurance offers comprehensive gap coverage to give you peace of mind. This article will explain what gap insurance is, the benefits of choosing NSD Gap Insurance, and how to contact NSD to get a quote or file a claim.

What is Gap Insurance?

Gap insurance covers the difference between what your auto insurance pays if your vehicle is totaled or stolen and what you still owe on your loan or lease. Vehicles typically depreciate rapidly, but your loan balance decreases more slowly over time. This creates a “gap” between the car’s value and the remaining loan amount.

For example, if you owe $15,000 on your car loan but your vehicle is only worth $10,000 when it’s totaled, your insurer will only pay the $10,000 actual cash value. Without gap coverage, you’d be responsible for the $5,000 difference. Gap insurance steps in to cover this difference so you don’t end up owing extra money after an incident.

Why Choose NSD Gap Insurance?

NSD Gap Insurance is offered by Nation Safe Drivers, a leading provider of automotive and travel protection plans. Here are some key advantages of choosing their gap product:

  • Flexible coverage – NSD offers gap policies with coverage limits between 120% to 150% of your vehicle’s MSRP or NADA retail value. This accommodates different down payments and loan terms.

  • New and used vehicles eligible – Protection applies to both new and used passenger vehicles less than 15 years old. Motorcycles may also qualify.

  • No deductible – NSD Gap Insurance waives any deductible you may owe, so you have no out-of-pocket costs in a total loss situation (availability varies by state).

  • Fast claims service – NSD pledges to promptly handle your claim and get you back on the road. Their U.S.-based claims adjusters have extensive experience with gap policies.

  • Cancelable – If you pay off your loan early, you can cancel your policy and receive a prorated refund. There are no hidden cancellation fees.

  • Reputable provider – NSD has over 50 years of experience providing protection products to millions of customers across the U.S.

How NSD Gap Insurance Works

Gap insurance is a straightforward product – it fills the gap between your car’s value and remaining loan balance after a covered total loss. Here are answers to some common questions about NSD’s policy:

What causes of loss are covered?

  • Theft
  • Collision
  • Flood, fire, or other disasters resulting in a total loss

What vehicles are eligible?

  • New and used cars & trucks
  • Motorcycles
  • Leased vehicles
  • RVs (certain types)

Is there a deductible?

  • No. Your deductible is waived in most states.

What is the coverage limit?

  • Up to 150% of MSRP (new cars) or NADA retail value (used cars), depending on your selected plan.

How long does coverage last?

  • Your policy term matches the length of your finance/lease contract (typically 24-72 months).

Can I cancel my policy?

Yes, you can cancel anytime and receive a prorated refund if you pay off your loan early.

How do I file a claim?

You simply provide documents like your loan payoff statement, insurance valuation, and police report. NSD’s adjusters handle the rest!

How to Contact NSD Gap Insurance

If you want to learn more about NSD Gap Insurance or file a claim, you can contact their customer service team:

By Phone

Call 1-800-338-2680 to speak with a representative. NSD’s U.S.-based team can explain coverage, provide quotes, and assist with claims and renewals.


Visit NSD’s website at to get a quote, file a claim, or access policy documents.

By Mail

You can mail any claims documents to:

NSD Claims Center
800 West Yamato Rd, Suite #100
Boca Raton, FL 33431

Be sure to include all required documentation like loan statements and insurance valuations to avoid processing delays.

The Claims Process Explained

If the unthinkable happens and your vehicle is totaled or stolen, you’ll need to file a gap insurance claim. Here is an overview of what to expect:

  • Report the incident – Notify your primary insurer, lender, and NSD as soon as possible after the loss occurs. Provide details like the date and cause of loss.

  • Settle with primary insurer – Your auto insurer will investigate, determine fault if applicable, and make a settlement offer based on the vehicle’s actual cash value. Accept this offer.

  • Collect documents – Gather the required documents outlined in your policy and on NSD’s website, such as your loan payoff statement, insurance settlement breakdown, police report, etc.

  • Submit claim – Send all documents to NSD’s claims center by mail or through their online portal. Provide explanations for any missing documentation.

  • Claims review – NSD will review your documentation and determine if your policy covers the gap amount. They may request additional information.

  • Settlement – Once approved, NSD will issue a payment for the difference between your loan balance and primary insurance settlement, minus any applicable fees, excessive interest, etc. depending on your plan’s provisions.

  • Policy cancellation – Your gap policy will be cancelled once the claim is paid out. Any applicable refund of unused premiums will be calculated.

It’s an easy process as long as you submit all required documents. NSD pledges to handle claims promptly so you can move forward after a total loss.

Is NSD Gap Insurance Right for You?

Gap insurance is a smart purchase for many car owners but is especially valuable in certain situations:

  • You made a low down payment – With little initial equity, your loan balance will exceed the vehicle’s value sooner.

  • You have an underwater loan – When you owe more than the car is worth, gap coverage is critical.

  • You leased your vehicle – Leases typically require gap insurance to cover the residual value.

  • You have an expensive luxury vehicle – These tend to depreciate quickly and are costly to replace.

  • You have poor credit – Getting approved for a new loan will likely be more difficult and expensive after a total loss.

  • You rely on your vehicle for work – Having to cover a loan difference out-of-pocket could cause financial hardship.

Even if you have an inexpensive commuter car, gap insurance can provide vital peace of mind and financial protection in case disaster strikes. NSD makes it easy and affordable to safeguard your investment.

Don’t Get Caught Without Gap Coverage

Being involved in an accident or losing your vehicle to theft is stressful enough without having to come up with thousands of dollars to pay off your remaining auto loan balance. Too many consumers find this out the hard way after it’s too late.

Luckily, NSD Gap Insurance provides an accessible and cost-effective way to protect yourself from owing extra money after a total loss. Their excellent customer service will guide you through getting a policy, answering questions, and settling claims quickly and seamlessly.

Before purchasing or leasing your next vehicle, be sure to call NSD at 1-800-338-2680 and get a gap insurance quote. Having this vital coverage in place will allow you to rest easy knowing you won’t face any costly surprises down the road if disaster strikes.

NSD-Nation Safe Drivers


What is the phone number for Nsdmc customer service?

Please give your representative a call today for a live demonstration 1-800-338-2680.

How do I file a claim with NSD?

File Your Claim We recommend using the NSD Mobile App which is available for both Apple and Android OS. You can also file your claim by calling 888-684-9327 M-F 8:30 a.m. ET to 8 p.m. ET (Tire/Wheel/Key) or 5 p.m. ET for all other claims.

What is the phone number for nation safe drivers provider?

For any questions regarding becoming an NSD service provider please contact network support team at 1-888-362-7805.

What is nsd with automotive?

Nation Safe Drivers (NSD) offers Insurance Company Solutions that increase policyholder retention, build loyalty and help you manage costs to keep you competitive.

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