1. Specialist GAP cover – often up to 75% cheaper than dealers
Unlike many garages and finance brokers, GAP Insurance is not a sideline for us – it’s what we do every day.
- One of the largest specialist GAP providers direct to the public.
- Policies that can save you up to 75% compared with equivalent dealer GAP quotes.
- Cover from around £35, with quotes in seconds and cover starting in minutes.
You get robust protection without paying dealer showroom prices.
2. 5★-rated and trusted by thousands of customers
Peace of mind matters just as much as price.
- Independently rated around 4.9/5 on review platforms such as Feefo and Trustpilot.
- Tens of thousands of verified customer testimonials, consistently praising value, clarity and service.
- 5-star rated GAP Insurance with a 30-day money-back guarantee if you’re not happy or find a better like-for-like quote we can’t match.
Real customers, real claims, real feedback – not just marketing.
3. Market-leading features as standard
Our policies are designed to be genuinely useful when you need them – not padded with small print.
Depending on the product you choose, benefits can include:
- Cover for new and used cars and vans
- Protection for all named drivers on your comprehensive policy
- Unlimited claim limits on vehicles up to £50,000–£75,000 (policy-dependent)
- Insurance excess covered up to £500 on many policies
- 30-day money-back guarantee
- Free transferable cover if you change your vehicle (RTI and VRI)
- Option to defer the start date on new cars if your motor insurer replaces the vehicle in year one
- No mileage restrictions during the life of the policy
You’re choosing from a range of GAP products where strong cover is the default, not a bolt-on.
4. Real experts, not a call centre
When you ring Direct Gap, you’re talking to people who live and breathe GAP Insurance – not a scripted call centre.
- UK-based team with decades of motor and finance experience.
- Advisors don’t work on commission, so their job is to help you choose what’s right – not to upsell you.
- The same trained specialists handle claims as well as sales, so you’re dealing with people who understand how the policy actually works in practice.
If you have a question, you get a straight, informed answer.
5. Fast, fair claims – usually settled within days
If your car is written off, you don’t want a long, stressful claims process on top.
- Once your motor insurer has made their offer and we have the required documents, average payout time is around seven days.
- We commit to settling valid claims within 10 days of receiving everything we need.
That means you can focus on choosing your next car, not chasing paperwork.
6. Flexible cover that fits your car and finance
Whether you’ve bought brand new on PCP, leased a company car, or picked up a nearly-new bargain, there’s a policy that can be tailored to you.
We offer a choice of GAP Insurance types, including:
- Finance / Lease / Contract Hire GAP – helps settle your finance or lease agreement if your car is written off.
- Return to Invoice (RTI) GAP – tops up your motor insurer’s payout to the original invoice price you paid.
- Vehicle Replacement GAP – aims to cover the cost of a replacement vehicle of the same model and spec, even if list prices have gone up.
- Agreed Value GAP – ideal if you bought your car used or privately; works from an agreed guide value at the start of the policy.
You choose the type and term (often 1–5 years), we help you match it to your vehicle and circumstances.
7. Extra protection options to keep your car looking its best
As well as GAP Insurance, Direct Gap can help you look after the rest of your investment:
- Scratch & Dent Insurance – towards the cost of minor bodywork repairs.
- Tyre & Alloy Insurance – covers accidental damage to your alloys and tyres.
Bundle these with your GAP cover for a more complete protection package around your car.
8. FCA regulated, UK-based and easy to contact
Finally, you want to know you’re dealing with a reputable, regulated firm.
- Direct Gap is authorised and regulated by the Financial Conduct Authority (FCA).
- UK-based offices and phone support during convenient hours.
- Trustpilot
You’re protected by UK regulation and have a real team here if you need to talk.
Ready to protect the gap?
Getting covered is simple:
- Get a quote online – enter your vehicle value and preferred term.
- Choose your cover – select the GAP product that fits your car and finance.
- Start your policy – many customers are protected in just a few minutes.
Choose Direct Gap for specialist cover, clear advice and fast, fair claims.