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Don't lose out if your vehicle is written off through accident, fire or theft.

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What Is GAP Insurance?

GAP Insurance is an optional 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, theft or flood, 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 or, if your vehicle was the subject of a Contract Hire agreement, it could be lower than the amount you'd need to pay to settle the remaining balance due under the agreement..

GAP Insurance pays the difference between your Motor Insurance payout and either: the original price you bought the vehicle for (Invoice GAP Insurance); the cost of replacing the vehicle with a "new" equivalent at the time of loss (Replacement GAP Insurance); or the amount required to settle the remaining balance of your Contract Hire agreement (Contract Hire GAP insurance).

Where do we cover?

We have policyholders all over the UK. See for yourself here:

A Map Of UK Policyholders

Cover Statistics

£731,738,237.64
(Total value of vehicles covered)

£2,566,261.18
(Total value of paid claims)

£48,859.00
(Largest claim to date)

£6,464.13
(Average claim payout)

The map: shows the postcode areas in which we have GAP Insurance policyholders. The "Total value of vehicles covered" is displayed in real-time. "Total value of paid claims", "Largest claim to date" and "Average claim payout" are derived from claim statistics which are updated once-per-month.

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,

  • The amount (if any) outstanding on finance at the time of claim EXCLUDING any Negative Equity brought forward from a previous vehicle (unless the optional "Negative Equity Cover" was purchased), OR
  • The ORIGINAL PURCHASE PRICE that you paid for your vehicle first time around.

It's available for vehicles that (at the time of purchasing the policy) are less than 8 years old, that were bought from a VAT Registered Motor Dealer, within the last 90 days, for a purchase price of up to £200,000.

Claim Limits range from £5,000 to the full original purchase price of your vehicle and durations from 1 to 4 years are available.

How Replacement GAP insurance Works

Replacement GAP Insurance

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

Replacement GAP insurance is the highest level of GAP insurance cover available today. It's a combination of the three main types of GAP insurance: Finance GAP insurance, Invoice GAP insurance and Replacement GAP insurance - which means it provides the best of all cover levels.

In the event of your vehicle being declared a Total Loss (written off) through accident, fire, theft, or flood, Replacement GAP insurance aims to pay the difference between your Motor Insurance payout and THE GREATER OF either:

  • The amount (if any) outstanding on finance at the time of claim EXCLUDING any Negative Equity brought forward from a previous vehicle (unless the optional "Negative Equity Cover" was purchased), OR
  • The ORIGINAL PURCHASE PRICE that you paid for your vehicle first time around, OR
  • The cost of REPLACING YOUR VEHICLE with one of the same Make, Model, Age, Specification and Mileage (or nearest equivalent) as your original vehicle was when you first bought it - even if the replacement vehicle cost is MORE than you bought the vehicle for first time around.

It's available for vehicles that (at the time of purchasing the policy) are less than 3 months old, that were bought from a VAT Registered Motor Dealer, within the last 90 days, for a purchase price of up to £150,000.

Claim Limits range from £5,000 to the full original purchase price of your vehicle and durations from 1 to 4 years are available.