GAP Insurance – Instant Online Quotes
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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
£6,800
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.
Learn MoreInvoice 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.
Learn MoreContract 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.
Learn MoreTop-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.
Learn MoreIdeal 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
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

Vauxhall Corsa
Vehicle Purchased
August 2024
Invoice Price
£6,495
GAP Claim
September 2025
Invoice GAP Paid
£2,049
Length of ownership: 13 months · Rate of depreciation: £157.59 per month · Total depreciation: 31.54% of invoice · Policy cost: £134.21 (6.55% 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
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
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
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.
Frequently Asked Questions about GAP Insurance
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