GAP Insurance – Instant Online Quotes

From the UK’s Original Online Specialist, Established 2004

A-Rated UK underwriter · 5-Star Feefo ratings · Save up to 85% vs dealer prices

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FCA Regulated
Platinum Rated (Feefo)
A-Rated UK Insurer
No Market Value Clauses
Cash Payouts
28-Day Courtesy Car Option

Rated "Exceptional" by thousands of UK drivers on Feefo

Proven Results for Our Customers

Real results from real policies - our customers consistently save compared to motor dealer GAP insurance, with claims paid quickly and in full.

£49,475

Largest GAP insurance claim paid to date

£6,835

Average GAP insurance claim paid

£242

Average saving per customer compared to dealer GAP insurance

These results are based on real GAP insurance policies we’ve sold and claims we’ve settled for UK drivers - not estimates or marketing figures.

What is GAP insurance?

When your car is written off or stolen, your motor insurer usually pays only its market value at the time of loss. That payout may not be enough to clear any finance still outstanding, or to buy a like-for-like replacement vehicle.

GAP insurance exists to close that shortfall. Depending on the policy type, it can top up your motor insurer’s total loss valuation of your vehicle to the original invoice price you paid, the amount outstanding on finance, or even the cost of a brand new equivalent vehicle.

Do you need it?

If you could comfortably afford to replace your vehicle and clear any finance from your own savings, you may not need GAP insurance. But if you would prefer to protect your savings - or avoid being left out of pocket after a Total Loss - GAP insurance provides valuable peace of mind.

What are the different types of GAP insurance?

There are a number of different types of GAP insurance. Taking the time to understand the difference between them and which type is better for your needs is important.

Replacement GAP

Protects you up to the cost of a brand new equivalent vehicle.

Available for brand new cars within 90 days of first registration.

Helps clear finance and often leaves extra funds for your next car.

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Invoice GAP

Secures the original invoice price you paid for your car.

Available for new & used cars up to 10 years old, bought outright or on finance.

One of the most popular forms of GAP cover in the UK.

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Contract Hire GAP

Covers lease settlement shortfalls plus up to £3,000 initial rental.

Available for personal & business lease vehicles, provided at least 12 months remain.

Protects you from early termination costs if your leased car is written off.

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Top-Up GAP

Boosts your vehicle valuation by 25% if your car is written off.

Available for cars up to £80,000 & 10 years old, 12-month renewable.

Flexible short-term protection when other GAP policies aren’t an option.

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Ideal for: Brand new vehicles purchased within 90 days of first registration.

Replacement GAP is the most comprehensive form of cover. If your car is declared a total loss, the policy will increase your insurer’s total loss valuation of your vehicle to whichever is highest - the outstanding finance balance, the invoice price you originally paid, or the current cost of an equivalent new car.

  • Covers against depreciation and rising new car prices.
  • Protects both financed and outright purchases.
  • Often leaves drivers in a stronger position to choose a replacement vehicle.

Latest Claim

Audi Q5

Audi Q5

Vehicle Purchased

March 2023

Invoice Price

£40,110

GAP Claim

May 2025

Replacement GAP Paid

£14,954

Length of ownership: 26 months · Rate of depreciation: £575.15 per month* · Total depreciation: 37.28% of invoice · Policy cost: £302.62 (2.02% of payout)

Ideal for: Cars up to 10 years old, bought with cash or on finance (within 90 days of purchase).

Invoice GAP focuses on safeguarding the original price you paid for your vehicle. If your car is written off, it ensures your insurer’s settlement is topped up to either the finance outstanding or the purchase invoice value - whichever is greater.

  • Suitable for both new and used cars.
  • Protects against steep depreciation during ownership.
  • Helps clear finance while leaving additional funds towards your next car.

Latest Claim

Audi Q7

Audi Q7

Vehicle Purchased

March 2025

Invoice Price

£19,240

GAP Claim

October 2025

Invoice GAP Paid

£238

Length of ownership: 7 months · Rate of depreciation: £34.00 per month · Total depreciation: 1.24% of invoice · Policy cost: £304.46 (127.92% of payout)

Ideal for: Drivers on personal or business lease agreements.

If your leased car is written off, your insurer’s total loss valuation of your vehicle may not cover the finance company’s settlement figure. Contract Hire GAP is designed to bridge that shortfall and also reimburses up to £3,000 of your initial rental payment.

  • Protects against early termination charges from leasing companies.
  • Ensures you aren’t left liable for thousands of pounds with no vehicle.
  • Cover available at any stage of the lease (if 12 months remain).

Latest Claim

Hyundai Tucson

Hyundai Tucson

Lease Began

August 2021

GAP Claim

June 2025

Contract Hire GAP Paid

£3,150

Length of ownership: 46 months · Policy cost: £146.10 (4.64% of payout)

Ideal for: Cars up to £80,000 in value, up to 10 years old (not for leased vehicles).

Top-Up GAP is an annual, renewable policy that increases the total loss valuation of your vehicle by 25% (up to £10,000). It’s especially useful when other GAP options aren’t available, or if your previous policy has expired.

  • 12-month rolling protection with flexible renewal.
  • Includes up to £750 motor insurance excess cover.
  • Handy if you plan to keep your car longer than expected.

Latest Claim

Vauxhall Mokka

Vauxhall Mokka

GAP Claim

June 2025

Total Loss Valuation

£5,030

Top-Up GAP Paid

£1,508

Policy cost: £182.40 (12.10% of payout)

Add a little TLCc to your GAP insurance:

Total Loss Courtesy car

Total Loss Courtesy Car

If your vehicle is damaged in an accident, your motor insurance policy will normally provide you with a courtesy/hire car whilst the damage to your vehicle is being assessed.

If they determine that your vehicle is repairable, you would normally have the use of that courtesy car for the duration of the repairs.

However...

If they decide that the damage to your vehicle is beyond repair and subsequently declare it a Total Loss (they write it off), you would then not normally be entitled to their courtesy car any longer (unless you've paid them an additional premium for such entitlement) and, it would be withdrawn: leaving you without the use of a vehicle.

Depending on how much longer they take to settle your claim, you might be without a vehicle for a number of days - or even weeks!

Building in Total Loss Courtesy Car cover (TLCc) to your GAP insurance policy with us, means that in the event your car is declared a Total Loss, we will provide you with a courtesy car for you to use for up to 28-days.

TLCc Cover Features:

The car provided:

  • Will be of a similar sized engine to Your vehicle that was deemed a Total Loss (limited to a maximum of a 2.0 litre manual car or equivalent)
  • Will be insured. Please note that an excess (normally £250) will apply to accidents/claims occuring during your use of the courtesy car. Exact terms will confirmed prior to you accepting delivery of it.
  • Will be able to be delivered to and collected from your home or place of work.

For more information please review the Ts & Cs of our GAP insurance policies here, or generate a quote.

If your car's written off, we'll keep you moving!

Relaxing in a car, feet out of the window

Frequently Asked Questions about GAP Insurance

GAP insurance is an optional policy that helps protect you financially if your car is written off or stolen. It aims to cover the difference between your motor insurer’s total loss valuation and either the amount you originally paid, the amount still owed on finance, or (with some policies) the cost of a brand new equivalent vehicle.
GAP insurance can be suitable whether you bought your car outright with cash, on finance, or on a lease. Without it, you may need to use your own funds to clear outstanding finance or to replace your car after a Total Loss. GAP cover aims to reduce this risk.
The main types are Replacement GAP, Invoice GAP, Contract Hire GAP and Top-Up GAP. Each is designed for different circumstances - whether you bought outright, financed, or leased your car.
Replacement GAP insurance combines the benefits of Finance, Invoice and Replacement GAP into one policy. At the time of a claim, it aims to top up your motor insurer’s total loss valuation to the higher of: the finance outstanding, the original invoice price you paid, or the cost of replacing the vehicle with a brand new equivalent. It also reimburses up to £750 of the excess deducted by your motor insurer for the same Total Loss claim, with optional add-ons available for up to £2,000 of negative equity carried over from a previous vehicle and/or a courtesy car for up to 28 days. Replacement GAP insurance is available only for brand new vehicles within 90 days of first registration and can be purchased for up to 3 years.
Invoice GAP insurance aims to secure the original invoice price you paid for your vehicle. At the time of a claim, it aims to top up your motor insurer’s total loss valuation to the higher of the finance outstanding or the original invoice price. It also reimburses up to £750 of the excess deducted by your motor insurer for the same Total Loss claim, with optional add-ons available for up to £2,000 of negative equity carried over from a previous vehicle and/or a courtesy car for up to 28 days. Invoice GAP insurance is available for used vehicles up to 10 years old within 90 days of purchase and can be purchased for up to 4 years.
Contract Hire GAP insurance is for leased vehicles. It aims to cover the shortfall between your motor insurer’s total loss valuation and the leasing company’s early termination amount, and includes up to £3,000 of your initial rental. It also reimburses up to £750 of the excess deducted by your motor insurer for the same Total Loss claim, with an optional courtesy car for up to 28 days. Contract Hire GAP insurance is available for business or personal lease (contract hire) vehicles, can be purchased at any time during the lease provided more than 1 year remains, and can be purchased for up to 5 years.
Top-Up GAP insurance is a 12-month renewable policy for cars up to 10 years old and worth up to £80,000 (not available for leased vehicles). At claim, it aims to top up the vehicle’s value at the time of loss by 25% (maximum £10,000) and includes reimbursement of up to £750 of any motor insurance excess for the same Total Loss claim. An optional courtesy car for up to 28 days is also available.

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