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What Is GAP Insurance?

GAP Insurance is an insurance that steps in to cover the shortfall in the payout from your Motor Insurer in the event that your vehicle is written off.

If, as a result of accident, fire or theft, your Motor Insurance company declare your vehicle to be a Total Loss (they "write it off") they will pay you the Market Value of the vehicle at the time of the incident which led to the Total Loss claim.

This "Market Value" payout could be considerably lower, than either the original price you bought your vehicle for, or if you originally bought a brand new vehicle, the cost of replacing the vehicle with a new one at the time of claim.

Gap Insurance pays the difference between your Motor Insurance payout and either: the original price you bought the vehicle for (Invoice GAP Insurance); or the cost of replacing the vehicle new-for-old at the time of loss (Replacement GAP Insurance).

Revive GAP Insurance: Annually and Bi-Annually renewable Invoice and Replacement GAP Insurance policies.

Unlike other GAP insurance providers, whether you buy a 1, 2, 3, 4 or 5 year Invoice or Replacement GAP insurance policy from us, if you end up keeping the vehicle longer than your policy lasts, at the point of expiry we'll allow you to renew the policy for a further 1 or 2 years.

We'll even allow you to increase the Claim Limit of your policy at the point of renewal if you deem it necessary.

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How Invoice Gap Insurance Works
Invoice Gap Insurance

This type of Gap Insurance policy is the most popular form of Gap Insurance.

If you bought your vehicle (cash, HP, PCP etc) Invoice Gap Insurance aims to pay the difference between your Motor Insurance payout and THE GREATER of either,

1. The amount outstanding on finance at the time of claim, OR
2. The original invoice price that you bought the vehicle for.

If your vehicle is leased (Contract Hire), Invoice Gap Insurance aims to pay the difference between your Motor Insurance payout and the Early Termination Charge required by the Lease Company.

It's available for vehicles that (at the time of purchasing the policy) are less than 10 years old, that were bought from a VAT Registered Motor Dealer, within the last 365 days, for a purchase price of up to £150,000.

Claim Limits range from £5,000 to "£Unlimited" and durations from 1 to 5 years are available with the option (for new vehicles) to defer the start date of the policy by up to 12 months.

At the point of expiry, so long as the vehicle is still less than 10 years old, the policy can be renewed for a further 1 or 2 years.

Click here for more details about Invoice GAP Insurance.

Replacement GAP Insurance

GAP Insurance policies don't come much better than this.

In the event of a claim Replacement GAP insurance aims to pay the difference between your Motor Insurance payout and THE GREATER of either:

1. The amount outstanding on finance at the time of claim, OR
2. The original invoice price that you bought the vehicle for, OR
3. The cost of replacing your vehicle at the time of claim with one of the same Make, Model, Specification, Age and Mileage (or nearest equivalent) as your original vehicle was at the time that you first bought it - even if the replacement vehicle cost is MORE than you bought the vehicle for first time around.

Brand New Vehicle?

Where the original vehicle was brand new and the amount of outstanding finance at the time of claim is not more than the replacement vehicle price, Replacement GAP Insurance pays the difference between your Motor Insurance payout and the cost of replacing the vehicle New-For-Old at the time of claim - even if the new vehicle costs more than you paid for your original vehicle!

Used Vehicle?

Where the original vehicle was a used vehicle and the amount of outstanding finance at the time of claim is not more than the Replacement vehicle price, replacement GAP Insurance pays the difference between your Motor Insurance payout and the cost of replacing the vehicle at the time of claim with one of the same Make, Model, Specification, Age and Mileage as (or the nearest equivalent to) your original vehicle at the time you first bought it - even if the Replacement Vehicle costs more than you paid for your original vehicle!

In either case (new or used vehicle) if the Replacement Vehicle at the time of claim is available on sale for LESS than you bought the original vehicle for, the policy will revert to an Invoice GAP Insurance cover-level ensuring that unlike some other Replacement GAP insurance policies available elsewhere that would only pay out to the then lower cost of the Replacement Vehicle at the time of claim, with our policy you'll always get back at least what you paid for the vehicle.

It's available for vehicles that (at the time of purchasing the policy) are less than 10 years old, that were bought from a VAT Registered Motor Dealer, within the last 365 days, for a purchase price of up to £150,000.

(Please note that Replacement GAP insurance is NOT AVAILABLE for vehicles that are the subject of a Contract/Lease Hire agreement.)

Claim Limits range from £5,000 to "£Unlimited" and durations from 1 to 5 years are available with the option (for brand new vehicles) to defer the start date of the policy by up to 12 months.

At the point of expiry, so long as the vehicle is still less than 10 years old, the policy can be renewed for a further 1 or 2 years.

Click here for more details about Replacement GAP insurance.

How Replacement Gap Insurance Works