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Our Gap Insurance Services

Finance/Contract Hire

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 +

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 +

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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See what our customers are saying about us

darren birch 8 Jan 2024

55 star rating

used before and experienced great service, thats why im back

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 unth…

Julian Portman 26 Jan 2024

55 star rating

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

Gary Oakley 13 Aug 2022

55 star rating

Professionally dealt with, straight forward to set up - good piece of mind, for fair value.

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.

David Pibworth 3 Feb 2024

55 star rating

Easy to complete and far cheaper than quoted by the main dealer

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 c…

Dragos Anton 9 Nov 2022

55 star rating

Great company! Will definitely recommend to family and friends!

Andrew Garner 13 May 2022

55 star rating

Easy to set up and a great deal cheaper than dealer, also a uk based company!

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

Evonne Rogers 7 Aug 2022

55 star rating

Excellent service, easy to navigate website. Had the exact product I was looking for.

Gaynor Powers 11 Apr 2022

55 star rating

Easy choice of GAP insurance options, explanations for each cover, affordable and easy to purchase online. Helpline if needed…

Susan Smith 13 Mar 2023

55 star rating

Much cheaper than other quotes. Easy to do. I phoned to talk to an adviser as never needed this type of insurance before.…

Geoffrey Hayes 10 Nov 2022

55 star rating

Easy to purchase very helpful and friendly telephone conversation, very reassuring

Michael Thompson 28 May 2022

55 star rating

Phoned first and had a very good chat with consultant who explained everything I needed to know. Hopefully will never need it…

Michael Jackson 25 Apr 2022

55 star rating

The customer service and the impartial advice was excellent.

Stephen Foster 30 Jun 2022

55 star rating

Easy to use website and very competitive price

E W Coe 21 Sep 2017

55 star rating

Competitive price and good website.We have used Direct Gap before and they were very helpful.

John Walsh 20 Feb 2019

55 star rating

Great cover, great price and great service. Thank you

John Robinson 10 Oct 2019

55 star rating

I have used direct gap before and have always been happy with them I have never had to make claim but it Gives me piece of mi…

andy wales 18 Dec 2013

55 star rating

The salesman was helpful, clear and thorough

Mark Galbraith 9 Dec 2019

55 star rating

Excellent, first class. Thank you for the immediate cover. A huge piece of mind with new car arriving this second!! We will…

Peter Alexander 14 Apr 2021

55 star rating

great service this is the 3rd policy i have bought from this company

What is Gap Insurance

GAP stands for Guaranteed Asset Protection (GAP). 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. It will 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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Types of GAP Insurance

How does Gap Insurance work?

For example, let’s assume 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, meaning you won’t be left significantly out of pocket. If you paid for the vehicle via a finance agreement, your Gap Insurance policy would cover the outstanding amount. That means you’re not left repaying the finance company for a car that you can no longer use.

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GAP Insurance Calculator

Comprehensive Insurance
Potential loss

Only £ 8,550 would be covered by your Comprehensive Car Insurance
leaving a gap of £10,450

Protect yourself with GAP Insurance

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Monthly Payments Available

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  • 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-2pm

GAP Insurance Policy Benefits

  • GAP Insurance with 5 Star Rating and with a 30 day money back guarantee "5" Star Rated Insurance with a 30 day money back guarantee
  • GAP Insurance with unlimited Claim Limits on vehicles up to £50k Unlimited Claim Limits on vehicles up to £50k
  • GAP Insurance with free policy transfer on return to invoice and vehicle replacement insurance Free policy transfer on RTI and VRI
  • GAP Insurance with deferred start date option for new vehicle purchases Deferred start date option for new vehicle purchases
  • GAP Insurance Cover for ALL named drivers on your policy Cover for ALL named drivers on your policy
  • GAP Insurance with no mileage restrictions during life of policy No mileage restrictions during life of policy
  • Policy amendments for registration number & address changes Policy amendments for registration number & address changes
  • GAP Insurance 5 Star Rating Commitment to settle your claim within 10 days
  • GAP Insurance with no additional fees Credit card payments, no additional fees
  • Save up to 75% on GAP Insurance Save up to 75% with a specialist policy
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We also offer additional insurance for the following:

Scratch & Dent Insurance

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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Tyre & Alloy Insurance

Tyre & Alloy 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?

Should I Buy

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.
European Apartment

What are the different types of Gap Insurance?

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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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Country Touring

Are there any exclusions?

Highlands

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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Get your Gap Insurance today

You want to be able to take to the road with complete confidence, and a Gap Insurance policy from Direct Gap can offer that all-important peace of mind. You can get a quote in a matter of moments via our simple form and if you have any questions please don’t hesitate to give us a call on 01422 756 100.Our friendly, expert team will be more than happy to help you find the perfect cover for your pride and joy.

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Need help? Read our useful guides:

Why choose direct gap

Why Direct Gap?

Find out more >
What is gap insurance

What is Gap Insurance?

Find out more >
General exclusions

General Exclusions

Find out more >
Which GAP Insurance Policy

Which Gap Policy?

Find out more >