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GAP insurance Statistics

We're often asked questions like, "Is GAP insurance worth it?" and "Do many people buy GAP insurance?". Of course we know that the popularity and demand for GAP insurance has rocketed in recent years, that more people are buying GAP insurance than ever before and that we provide policies to people all across the UK.

We can tell you all these things... but sometimes it's just better to show you. So here goes...

Where We Cover

We have policyholders all over the UK.

A Map Of UK Policyholders

The map: shows the postcode areas in which we have GAP Insurance policyholders.

Cover and Claim Statistics

To our knowledge we're still the only GAP insurance provider which publishes claim statistics. The Financial Conduct Authority (FCA) have been toying with the idea of making it compulsory for GAP insurance claim statistics to be published by all providers - we've been doing it for years though.

Cover Statistics

£852,604,016.22
(Total value of vehicles covered)

£3,489,554.81
(Total value of paid claims)

£49,475.00
(Largest claim to date)

£7,078.20
(Average claim payout)

UK GAP insurance claims by postcode area

The map: above, shows (by way of postcode area) the location of claims that have been made on our Invoice and Replacement GAP insurance policies. The "Total value of vehicles covered" is displayed in real-time. The "Total value of paid claims", "Largest claim to date" and "Average claim payout" are derived from claim statistics which are updated once-per-month.

Recent Invoice & Replacement GAP insurance Claims

Below are a selection of our most recent GAP insurance claims.

BMW 3 Series

Invoice GAP insurance

BMW 3 Series
Vehicle Purchased
GAP Claim
GAP Payout
December 2019
June 2020
£250
Original Invoice Price
£15,990
Length of ownership:
6 Months
Rate Of Depreciation:
An average of £41.67 per month
Total Depreciation:
1.56% of its original Invoice Price.
Policy Cost:
£146.78 (just 58.71% of the amount the policy paid out.)

BMW X5

Invoice GAP insurance

BMW X5
Vehicle Purchased
GAP Claim
GAP Payout
March 2017
April 2020
£6,295
Original Invoice Price
£19,385
Length of ownership:
37 Months
Rate Of Depreciation:
An average of £170.14 per month
Total Depreciation:
32.47% of its original Invoice Price.
Policy Cost:
£108.46 (just 1.72% of the amount the policy paid out.)

Land Rover Range Rover Sport

Invoice GAP insurance

Land Rover Range Rover Sport
Vehicle Purchased
GAP Claim
GAP Payout
September 2019
April 2020
£11,246
Original Invoice Price
£67,157
Length of ownership:
7 Months
Rate Of Depreciation:
An average of £1,606.57 per month
Total Depreciation:
16.75% of its original Invoice Price.
Policy Cost:
£392.09 (just 3.49% of the amount the policy paid out.)

BMW 4 SERIES

Replacement GAP insurance

BMW 4 SERIES
Vehicle Purchased
GAP Claim
GAP Payout
October 2017
May 2020
£18,537
Original Invoice Price
£42,000
Length of ownership:
31 Months
Rate Of Depreciation:
An average of £597.97 per month
Total Depreciation:
44.14% of its original Invoice Price.
Policy Cost:
£212.03 (just 1.14% of the amount the policy paid out.)

Mazda 2

Replacement GAP insurance

Mazda 2
Vehicle Purchased
GAP Claim
GAP Payout
August 2017
May 2020
£3,289
Original Invoice Price
£6,000
Length of ownership:
33 Months
Rate Of Depreciation:
An average of £99.66 per month
Total Depreciation:
54.81% of its original Invoice Price.
Policy Cost:
£102.04 (just 3.10% of the amount the policy paid out.)

Kia Ceed

Replacement GAP insurance

Kia Ceed
Vehicle Purchased
GAP Claim
GAP Payout
April 2019
April 2020
£3,576
Original Invoice Price
£24,806
Length of ownership:
12 Months
Rate Of Depreciation:
An average of £298.02 per month
Total Depreciation:
14.42% of its original Invoice Price.
Policy Cost:
£205.27 (just 5.74% of the amount the policy paid out.)

* - The Replacement GAP insurance rates of depreciation figures shown above reflect not only the depreciation of the original vehicle, but also the potential for the cost of the replacement vehicle to have been greater than the original purchase price paid.

At a glance statistics

Vehicles that we cover.
(Click on or hover over a segment)

The above chart shows a percentage-breakdown of all of our GAP insurance policies according to the make of vehicle that they cover. The top 10 vehicle makes are highlighted.

Claims by vehicle make.
(Click on or hover over a segment)

The above chart shows a percentage-breakdown of the vehicle makes which have been written off and for which we have paid claims. The top 10 vehicle makes are highlighted.

Claims by amount paid
(Click on or hover over a segment)

The above chart shows a percentage breakdown of the amounts that we've paid out in claims by vehicle make. The top 10 vehicle makes are highlighted.

What are people buying?
(Click on or hover over a segment)

The above chart shows a percentage-breakdown of the split between Invoice, Replacement & Contract Hire GAP insurance policies that have been purchased from us.