01422 756100
Mon-Fri 9am-6pm, Sat 10am-2pm
Cover your car and save up to 75% on specialist Gap Insurance
Pays the difference between the motor insurers settlement and the outstanding Finance Balance. Suitable for HP, PCP, Lease and Contract Hire Vehicles.
Pays the difference between the motor insurers settlement and either the invoice price or the amount outstanding on finance whichever is the highest.
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.
Garry Gisby 15 Jan 2015
policy price reasonable and easy to set up. Thanks, garry
susan knight 19 May 2014
very easy to understand T,s & C,s
David Grabham 12 Feb 2017
Iam very impressed at the simplicity of this website and having read the testimonials and noted that you are on the Which Magizine website I felt confident to take the GAP Policy out. Thank you.
Sahil Karwar 12 Jul 2015
HI Website seems ok, but 5 star rating will only be given to you , when the process runs smoothly in the event of any claim. Hope this is good. Kind Regards Sahil Karwar 07830263697
Brian H 17 Dec 2013
Easy to buy and understand
Jane Shelton 23 Dec 2013
Most competitive and easy to review what was included in policy with free address / reg no amendments and free credit card payment.
Nicola Watson 25 Oct 2014
Easy to use website and good value for money compared to dealer
Mrs C Perkins 18 Dec 2013
Loved the no hassle and no sales routine. Just straight talking
Tony Morris 12 Nov 2019
I chose direct gap insurance due to their price and 5 star reviews. It was half the price of car dealer prices.
Kathryn Mullins 27 Mar 2018
Quick and easy to do, comprehensive information, good ratings.
Stuart Chiverton 25 Jan 2015
Excellent service.
Richard Turbutt 21 Jan 2014
I guess the true test would be in the event of a claim, but so far I have found you very efficient and quick to respond to my questions. Thank you.
Jamie Stafford 23 Dec 2013
Google search and customer reviews.
Matt 31 Jan 2022
Brilliant service both on the phone and online! Yet to use but hopefully never have to!
Phil Burton 17 Oct 2015
Have used a Gap Insurance before and found it to be a god send!! and a great peace of mind. (Daughters Car!). Application is quick and easy.
Andy Rees 28 Sep 2015
All fine, thanks
June Anguish 4 Jun 2014
clear information showing choices available at - I believe - reasonable costs even although I hope that I never have to make use of the insurance cover taken! Prefer having my car to a total write-off....
Michelle Devey-Carvill 1 Sep 2021
Great Service
Nigel Fake 12 May 2014
Much better value than the Main Dealers.
Sharon McLean 17 Dec 2013
Quick and easy online process, competitive price, extremely helpful advice given on phone regarding policy
IAN WOOLNOUGH 4 Feb 2014
SO FAR A 5. BUT I HAVE NOT HAD TO MAKE A CLAIM YET !
Kenneth Pound 29 Sep 2021
Excellent and easy to use
raymond w 4 Dec 2013
outstanding value against dealer price
Allan Hucks 3 Mar 2017
Clear and simple. What more can you want. Audi wanted £500. Less than £200 for the same cover. What more can I say
"5" Star Rated Insurance with a 30 day money back guarantee
No 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
Save up to 75% with a specialist policy
Call our payments team to find out more on
Mon-Fri 9am-6pm, Sat 10am-4pm
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.
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.
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 covers the cost of parts and labour to repair your vehicle in the event of minor accidental damage to the bodywork.
Alloy Wheel Insurance covers the cost of repairing accidental damage which has occurred to your Alloy Wheels.
Gap Insurance may not be suitable for everyone, but it could be more than worthwhile if:
Get a Quote
Not everyone will need Gap Insurance, however. For example, it may not be required if:
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:
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.
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:
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:
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.