The price of your Vehicle, as confirmed in the sales invoice which includes factory fitted accessories and dealer fitted options up to £1,500 and paintwork protection systems up to £250. You should exclude all deposit allowances, discounts, rebates, concessions, cashbacks, incentives and contributions, new vehicle registration fees, road fund licence fee, number plates, warranty costs, insurance premiums, fuel and other extras, arrears or negative equity.

Choose an insurance type

  • Finance/Contract Hire

    Pays the difference between the motor insurers settlement and the outstanding Finance Balance. Suitable for HP, PCP, Lease and Contract Hire Vehicles.

  • Return to Invoice +

    Pays the difference between the motor insurers settlement and either the invoice price or the amount outstanding on finance whichever is the highest.

  • Vehicle Replacement +

    Pays the difference between the motor insurers settlement and the cost of a replacement vehicle matching the original specification, age, mileage or the amount outstanding on finance whichever is highest.

Buy With Confidence, Direct Gap Provides all these benefits FREE of charge:

  • FREE - 5 Star Rated with 30 Day Money Back Guarantee
  • FREE - Unlimited Claim Limits on vehicles up to £75,000 on most policies
  • FREE - Policy transfer on RTI and VRI
  • FREE - Deferred Start Date Option for New Vehicle Purchases
  • FREE - Cover for ALL named drivers on your policy
  • FREE - No mileage restrictions during life of policy
  • FREE - Policy Amendments for Registration Number & Address Changes
  • FREE - Commitment To SETTLE your claim within 10 days
  • FREE - Credit Card Payments, No Additional Fees

See what our customers are saying about us

Gary Smith 13 Jul 2023

55 star rating

Competitive rates and very straight forward to use. Thank you

Gary (Manchester) 31 Oct 2023

55 star rating

Straight forward & easy to use website. Explained what was covered, easy to understand & complete purchase. Much better value than…

Nicholas Anastasiou 20 Jun 2022

55 star rating

Excellent service as always

Ranjit Ghag 11 Dec 2023

55 star rating

I have previously used this service and find it amazing, competitive prices and cheaper than buying direct from dealers.

clive williams 14 Jul 2023

55 star rating

As always great first class customer service. Have always used and will continue to do so. !! Thanks

Noel Egbury 22 Jun 2023

55 star rating

Very quick to obtain a quote and much, much cheaper than the main dealer price offered at the point of sale.

Graham W Beds 6 Aug 2022

55 star rating

Nice website, clear & acurate descriptions plus its half the price of the car dealers!

Stuart Weatherdon 8 Jun 2023

55 star rating

Straight forward to buy & much cheaper than the dealer...👍 hopefully I will never need it, but its peace of mind if the unthinkab…

Stephen Foster 30 Jun 2022

55 star rating

Easy to use website and very competitive price

Richard. Alan. Smith 16 Jul 2023

55 star rating

Second time used for gap insurance, no hassle just straight forward application process and a sensible cost. Would highly recommen…

Kevin Carter 27 Oct 2022

55 star rating

Best quote on market and completed in less than a minute. WARNING don't pay dealer fees again use DIRECT GAP

Scott Selbie 8 Sep 2023

55 star rating

Very competitively priced and easy to complete website I would recommend to others

Beverley Williams 10 Nov 2022

55 star rating

Competitive prices + straightforward to purchase

Anca Riglea 25 Aug 2022

55 star rating

Super easy to follow the website and purchase the insurance. Comparing to others, Direct Gap is so so affordable Amazing custom…

natasha badger 28 Oct 2023

55 star rating

Easy to use and half the cost the dealership wanted for a gap policy

Dave Wilkinson 6 Sep 2023

55 star rating

Very straight-forward and a compoetitive price.

Julian Portman 26 Jan 2024

55 star rating

Very easy to arrange. Competitive price. Used with two previous cars.

David 30 Sep 2022

55 star rating

Clear and helpful website. Much better value than dealer offer.

Rhianne Shannon 4 Jul 2021

55 star rating

So quick and easy to use wouldn’t use anyone else for gap insurance

Lynne Barber 6 Sep 2019

55 star rating

Easy webpage to navigate. Comprehensive easy to understand comparison quotes. Saved £110 on previous quote like for like.

Gillian Greenwood 17 Dec 2013

55 star rating

Reviewed Which? report on GAP insurance and then compared you with one of the other low-cost providers and your price was slightly…

Paul Knight 27 Nov 2021

55 star rating

Easy clear website and competitive prices for GAP insurance

Mehvish Mirza 23 Dec 2013

55 star rating

Excellent & pleasant service, was able to find all answers on FAQ page. Happy!

Andrew B 17 Dec 2013

55 star rating

Easy to quote and buy. Good product