• 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.

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

Welcome to Direct Gap - the UK's No.1 specialist gap insurance provider

Direct Gap is a specialist gap insurer. We offer an excellent range of insurance products at incredibly competitive prices. We are fully authorised and regulated by the Financial Conduct Authority.

We have established our reputation over many years as an independent insurance broker and we only use "5" Star Rated, FCA authorised and regulated insurers. All claims offices are based in the UK. You can rest assured that both your policy and your premium are safe. You also have further security in that all of our policies fall within the Financial Services Compensation Scheme.

Our products have all been independently rated as 5 star insurance products by assesment agencies.  We are proud to have been included in the Which report on gap insurance.  We can cover any car immediately or defer the start date for upto one year for new vehicles.

Service is very important to us and we’re really proud of the feedback we get from 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. 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.

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.

  • 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.

  • Alloy Wheel Insurance

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