Our Gap Insurance Services

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.

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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.

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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.

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Monthly Payments Available

Pay in 12 monthly instalments | Available on Gap Insurance Policies

Call our payments team to find out more on

01422 756 100

Mon-Fri 9am-6pm, Sat 10am-4pm

What is gap insurance and how does it work?

Gap insurance covers the difference between your insurance offer at the point your car is written off or declared a total loss and the value of your car when you bought it.For example, if you purchased a car for £20,000 and it was worth £8,000 at the time it was written off or stolen, your gap insurance would cover the shortfall of £12,000. It would also cover any outstanding finance payments, plus – for some enhanced policies – any additional costs needed to get you back on the road with a car to the same specification as when it was purchased. Taking out gap insurance is important because cars depreciate over time and your motor insurer will value it in line with depreciation. If your car is written off, your motor insurance policy only covers your vehicle to its value at the point it is declared a total loss. This can be substantially less than outstanding finance commitments, the price you paid for your car and the cost of getting back on the road in a car with a similar specification.

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Why choose Direct Gap?

"5" Star Rated Insurance with a 30 day money back guarantee

Unlimited Claim Limits on vehicles up to £50k

Free policy transfer on RTI and VRI

Deferred start date option for new vehicle purchases

Cover for ALL named drivers on your policy

No mileage restrictions during life of policy

Policy amendments for registration number & address changes

Commitment to settle your claim within 10 days

Credit card payments, no additional fees

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See what our customers are saying about us

lynda yeomans 3 Sep 2018

4

Very straightforward website. easy to read and follow. very friendly yet professional telephone manner from James who answered a couple of follow up questions.

Richard Jenkinson 1 Dec 2018

5

Great price compared with main dealers easy to complete have used on all my cars over the years 5 stars would recommend

M Geering 23 Dec 2013

5

Great value, easy to use website.

Mrs Karen Higham 21 Oct 2015

5

Clear explanation, easy to obtain quote, apply. Thankyou

Kevin Osborne 11 Sep 2020

5

Less than half the price I was quoted by the main dealer, it’s like for like policy RTI, happy happy for 4 years knowing I am covered should the worst happen, thank you

anas ahmed 20 Dec 2019

5

saving loads of money compared to dealer price and a better product.

Peter van de Vyver 5 Sep 2018

5

Used you for every Car i've had. Very good!

lisa ridgley 12 Jun 2020

5

I have always used direct gap for all my new cars, never had to use them yet fingers crossed.

Naomi Gardner 27 Jul 2015

5

:-D

Linda Erickson 25 Jan 2015

5

Clear and concise documents. Easy to view and use webpages

Keith JAMES 19 Aug 2020

5

On purchase through telephone contact and the internet. Helpful staff.( James and Dianne). Seems good value following research and original motor dealer quote. Hope I dont need to use it !!!

Christine Calder 23 Dec 2013

4

Clear information and pricing

Nicola Watson 25 Oct 2014

5

Easy to use website and good value for money compared to dealer

R Battle 17 Jan 2015

5

Explanations were easy to understand.

Marion Jordan 7 Sep 2020

5

Really easy to apply for the insurance and documentation is very clear.

nicola daly 23 Dec 2013

5

I found the website easy to use and wasnt asking too much information to get a quote. Also the price beats all others out there. WIll be recommending this to others

Marcia Barton 17 Oct 2014

5

Thank you

Ken Weston 14 Aug 2014

5

Thanks

Roger White 20 Oct 2017

5

For a first time gap insurance purchaser, it couldn't have been more simple. Also, far cheaper than what my dealer wanted to charge.

Carol Knowles 18 Dec 2013

5

Value for money

David Radford 14 Jan 2015

5

Nice to know got peace of mind motoring

Simon Ayling 11 May 2017

5

This the second gap insurance I have bought from Direct Gap, returned as was impressed how easy it was to talk to someone when I phoned regarding a previous policy.

Bronwen McWilliams 21 Jun 2014

5

Very easy insurance to take out. Have recommended it to many people. Obviously unless you have a claim you do not know how efficient and expediently the claim will be dealt with, lets hope I don't ever need it.

Ty Fraser 18 Apr 2020

5

2nd time I’ve used direct gap simple and affective, highly rated

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We also offer additional insurance for the following:

Tyre Insurance

Covers the cost of the replacement or repair of the tyres fitted to your vehicle that have sustained either accidental or malicious damage.

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Scratch & Dent Insurance

Scratch & Dent Insurance covers the cost of parts and labour to repair your vehicle in the event of minor accidental damage to the bodywork.

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Alloy Wheel Insurance

Alloy Wheel Insurance covers the cost of repairing accidental damage which has occurred to your Alloy Wheels.

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Should I buy Gap Insurance?

Gap Insurance may not be suitable for everyone, but it could be more than worthwhile if:

  • The car you bought is due to depreciate quickly. If you were to suffer a total loss, its value may be dramatically reduced from the point of purchase, meaning your motor insurer’s pay-out would leave you with a significant cash shortfall and you’d be unable to replace the vehicle on a new-for-old basis.
  • You’re on a long-term contract hire. If you’re paying back your debt slowly, the payment you receive from your motor insurer following a total loss may not be enough to cover the amount you owe to the hire company.
  • You owe a balloon payment. Sometimes, the details of your finance deal might mean you are left with a large lump sum to pay to the hire company at the end of the agreement. This is known as a balloon payment and taking out a gap insurance policy can help you to cover this without falling into financial difficulty.

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When wouldn’t I need Gap Insurance?

Not everyone will need Gap Insurance, however. For example, it may not be required if:

  • Your car is brand new. Many motor insurers offer a replacement of your vehicle within the first 12 months of ownership. Even in that instance, it may still be worth considering taking out a Gap Insurance policy and deferring the start date by 12 months. However, it is worth noting that your policy must still be bought within 180 days of you purchasing the car, even if you are deferring.
  • You’ve put down a large deposit. If you’ve been able to come up with a sizeable down payment for your vehicle, you will minimise the possibility of being left with a large shortfall on the finance agreement and there may be no need to take out a Gap Insurance policy.
  • You can afford to make up the difference. If you’re fortunate enough to be able to cover the difference between the cost price and the value of the car, Gap Insurance may not be necessary for you.

What are the different types of Gap Insurance?

Here at Direct Gap, we pride ourselves on our ability to offer a tailored Gap Insurance policy that’s perfectly suited to you and your needs. To that end, we offer a range of different products designed to meet your specific requirements:

  • Finance/Contract Hire: If your vehicle is declared a total loss, this type of Gap Insurance will pay the balance between your motor insurer’s settlement and the amount you have left to pay on your finance agreement. It includes all drivers on your policy, you can be covered for one to five years and it also provides protection of any factory fitted options you may have added to the vehicle.
  • Return to Invoice +: Should your car be written off in an accident or stolen, our Return to Invoice + policy will pay the difference between the settlement you receive from your motor insurer and the amount you paid for the car in the first place. This policy is applicable to both new and used cars, is transferrable free-of-charge and we also offer a 30-day money back guarantee.
  • Vehicle Replacement +: With this policy, our pay-out will cover the difference between your insurer’s settlement at the point of total loss and the cost of a replacement vehicle matching the cars original specifications. Our Vehicle Replacement + policy will cover any dealers discounts as well as any increase in the cars list price.
  • Agreed Value: Should your car be declared a total loss, our Agreed Value Gap Insurance will pay the difference between your motor insurer’s settlement and 100% of the Glass’s Guide retail price at the time you bought the policy. Our Agreed Value insurance provides cover for one to four years, is transferrable for free and protects you if your vehicle is lost through the theft of your keys.

How much is Gap Insurance?

There is no set fee for gap insurance, as your quote will vary depending on the original price of your car and the length of policy you wish to take out. For example, a five-year policy on a car costing £20,000 will come at a higher premium than a one-year policy for a £10,000 car. What we can guarantee at Direct Gap is that your policy will come at a highly competitive price and the service you’ll receive from our expert and friendly team will be second to none.

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Are there any exclusions?

There are some circumstances in which your Gap Insurance would not cover you, or in which you would be unable to take out the policy in the first place. These include:

  • Driving under the influence: If the total loss of your car is caused by the driver of your vehicle being under the influence of drugs, alcohol or prescribed medication (where the person in question has been advised against getting behind the wheel by a medical professional), your Gap Insurance policy will be void.
  • Negligence: If your car is stolen due to negligence on your part, for example if you leave the keys in the vehicle, your Gap Insurance will not cover you.
  • Hire and reward schemes: If you are a taxi driver, haulier or courier, for example, our gap insurance products will not be applicable to you.
  • Vehicle age and mileage: Any car over 10 years old or with more than 100,000 miles on the clock at the time of purchase will not qualify for Gap Insurance.

Why choose Direct Gap as your Gap Insurance provider?

So, you’ve purchased your new car and you’re seeking a robust gap insurance policy at a reasonable cost. Here are just some of the many reasons why Direct Gap is perfect for you:

  • Superb value: We offer a range of fully featured products at affordable prices, and we can save you up to 75% on your car gap insurance policy in comparison to other dealers.
  • Excellent service: Service is extremely important to us and we’re really proud of the feedback we get from our customers. We think that’s because we don’t run a call centre. We are a professional team of trained specialists, who know about cars, gap insurance and motor finance. If you ever have to make a claim, it will be handled by the same trained professionals, quickly and efficiently. Furthermore, our team receive no commission from sales so you can be sure they’re acting with your best interests in mind. But don’t just take our word for it – our customer testimonials speak for themselves.
  • Commitment to quick settlement: We’re happy to say that the average time to payment, once your insurer has made an offer of settlement and the paperwork is in place, is just seven days. Whatever the particulars of the case, we’ll commit to settling your claim within 10 days.
  • Unlimited claims limits: On vehicles up to £50,000, you’ll qualify for our unlimited claim limit policies.
  • Flexibility to defer or transfer: If you’ve purchased a new vehicle, your motor insurance may cover you for a total loss within the first 12 months. If that’s the case, you can defer your gap insurance policy with us for a year, completely free of charge. Alternatively, for return to invoice and vehicle replacement policies, you are entitled to a free transfer should you decide to change your car.
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Need help? Read our useful guides:

Why Direct Gap?

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What is Gap Insurance?

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General Exclusions

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Which Gap Policy?

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