Top-Up GAP insurance: Compare Features

Whether you're comparing the cover features of our Top-Up GAP insurance policy with a policy available from elsewhere, or simply wanting a better understanding of our policy, the table below will help.


A-Rated Insurer?

NO Pre-Approval clause with penalty?
Some policies from some GAP insurance providers strictly enforce that you must seek the claim administrator's approval before accepting an offer from your motor insurer, with you forfeiting some or all of your GAP insurance claim in the event that you don't.

Initial Cooling Off Period?
Cancel within this period and receive a full refund if no claim has been made

30 Days

Pro-Rata rebate of unused premium if you cancel outsde of the initial Cooling Off Period?
If you sell your vehicle and cancel the policy early with no claim having been made, do you get some of your money back?

Daily Calculation

Pays out in cash to the policyholder?
Some GAP insurance policies from some providers will contractually oblige you to allow them to source your next vehicle for you. Others may insist that you deal with a motor dealer that they nominate to source your next car. Thereby denying you the flexibility to choose which car you get next, from which dealer or even whether you wish to use the funds towards a new car at all.

After all parties with an interest in the vehicle have been paid (e.g. a finance company), any/all excess funds are paid directly to the policyholder leaving them free to use those funds against the cost of sourcing any vehicle from any dealership of their choice.
If you sell your vehicle and have not claimed on your GAP insurance policy, can the unused portion be transferred forward on a new vehicle?
Yes - we will update your policy with your new vehicle details. No cancellation, transfer or admin fees will apply.
Will pay towards your Motor Insurance excess in the event of a successful Total Loss claim?

Maximum age of vehicle that can be covered?
8 Years old
Maximum vehicle value?
Maximum Claim Limit available?
Maximum duration of cover available?
1 Year

Is there a cancellation Fee if cancelled outside of the initial Cooling Off Period?

Waived if a new policy is purchased.

How long after taking delivery of the vehicle, do have to buy Top-Up GAP insurance?

Any time
(As long as the vehicle is less than 8 years old at the start date or renewal date of the policy)

Allows for vehicles to be modified?

Not all vehicles are eligible for GAP insurance. Click below for more details


  •  Abarth 124
  •  Abarth 500
  •  Abarth 500C
  •  Abarth 595
  •  Abarth 595C
  •  Abarth 695
  •  Abarth 695C
  •  Alpine A110 L├ęgende
  •  Alpine A110 Pure
  •  Alpine A110 S
  •  Audi RS 3
  •  Audi RS 4
  •  Audi RS 5
  •  Audi RS 6
  •  Audi RS 7
  •  Audi S1
  •  Audi S3
  •  Audi S4
  •  Audi S5
  •  Audi S6
  •  Audi S7
  •  Audi S8
  •  Audi SQ2
  •  Audi SQ5
  •  Audi SQ7
  •  Audi TT RS Coupe
  •  Audi TT RS Roadster
  •  Audi TTS
  •  Audi TTS Coupe
  •  Audi TTS Roadster
  •  Autohaus (VW) Ashton
  •  Autohaus (VW) Camelot
  •  Autohaus (VW) Spartan
  •  Bailey (Peugeot) Advance
  •  Bailey (Peugeot) Approach Advance
  •  Bailey (Peugeot) Approach Autograph
  •  Bailey (Peugeot) Approach Compact
  •  Bailey (Peugeot) Approach SE
  •  Bailey (Peugeot) Autograph
  •  Benimar (Fiat) Ducato Europe
  •  Benimar (Fiat) Ducato Mileo
  •  Benimar (Fiat) Ducato Perseo
  •  Benimar (Ford) Transit Sport
  •  Benimar (Ford) Transit Tesseo
  •  Bentley Arnage
  •  Bentley Azure
  •  Bentley Bentayga
  •  Bentley Brooklands
  •  Bentley Continental
  •  Bentley Flying Spur
  •  Bentley Mulsanne
  •  BMW M1
  •  BMW M2
  •  BMW M3
  •  BMW M4
  •  BMW M5
  •  BMW M6
  •  BMW M8
  •  BMW X3 M
  •  BMW X4 M
  •  BMW X5 M
  •  BMW X6 M
  •  BMW Z4 M
  •  Burstner (Citroen)
  •  Burstner (Fiat)
  •  Burstner (Ford)
  •  Burstner (Mercedes-Benz)
  •  Citroen Berlingo (Van)
  •  Citroen Berlingo Electric (Van)
  •  Citroen Dispatch (Van)
  •  Citroen Nemo (Van)
  •  Citroen Relay (Van)
  •  Elddis (Peugeot) Accordo
  •  Elddis (Peugeot) Aspire
  •  Elddis (Peugeot) Autoquest
  •  Elddis (Peugeot) Elegance
  •  Elddis (Peugeot) Encore
  •  Ferrari 430
  •  Ferrari 458
  •  Ferrari 488
  •  Ferrari 599
  •  Ferrari 612
  •  Ferrari California
  •  Ferrari F12berlinetta
  •  Ferrari F430
  •  Ferrari FF
  •  Ferrari Superamerica
  •  Fiat Doblo (Van)
  •  Fiat Ducato
  •  Fiat Fiorino
  •  Fiat Scudo
  •  Fiat Talento
  •  Fiat Vantage
  •  Ford Fiesta Van
  •  Ford Transit
  •  Ford Transit Connect
  •  Ford Transit Courier
  •  IH Motor Campers Fiat
  •  Lamborghini Aventador
  •  Lamborghini Gallardo
  •  Lamborghini Huracan
  •  Lamborghini Murcielago
  •  Land Rover Range Rover
  •  McLaren 12C
  •  McLaren 540C
  •  McLaren 570GT
  •  McLaren 570S
  •  McLaren 650s
  •  McLaren 675LT
  •  McLaren 720S
  •  McLaren P1
  •  Mercedes-Benz Citan
  •  Mercedes-Benz G-Class
  •  Mercedes-Benz Sprinter
  •  Mercedes-Benz Vito
  •  Nissan Cabstar
  •  Nissan e-NV200 VAN
  •  Nissan GT-R
  •  Nissan NT400
  •  Nissan NV200
  •  Nissan NV400
  •  Nissan Primastar
  •  Peugeot Bipper
  •  Peugeot Boxer
  •  Peugeot Expert
  •  Peugeot Partner
  •  Pilote (Fiat Ducato) Galaxy G781C Emotion
  •  Pilote (Fiat Ducato) Galaxy G781GJ Emotion
  •  Renault Kangoo
  •  Renault Master
  •  Renault Trafic
  •  Rolls Royce Dawn
  •  Rolls Royce Ghost
  •  Rolls Royce Phantom
  •  Rolls Royce Wraith
  •  Subaru Impreza WRX
  •  Subaru Impreza WRX SL
  •  Subaru Impreza WRX STI 330S
  •  Subaru Impreza WRX STI RB320
  •  Subaru Impreza WRX STI Type UK
  •  Subaru Impreza WRX-S
  •  Subaru WRX
  •  Toyota GR Supra
  •  Toyota Hi-Ace
  •  Toyota Land Cruiser Commercial
  •  Toyota ProAce
  •  Vauxhall Astravan
  •  Vauxhall Combo (Van)
  •  Vauxhall Corsavan
  •  Vauxhall Movano
  •  Vauxhall Vivaro
  •  Volkswagen Caddy (Van)
  •  Volkswagen California
  •  Volkswagen Caravelle
  •  Volkswagen Crafter
  •  Volkswagen Golf R
  •  Volkswagen Golf R32
  •  Volkswagen Shuttle
  •  Volkswagen Transporter LWB
  •  Volkswagen Transporter SWB