Choosing the right Gap Insurance provider is just as important as choosing the right policy. At Direct Gap, we focus solely on delivering specialist cover, backed by experience, strong policy features and a service designed to work when you need it most.
Specialist cover, not a sideline
Gap Insurance isn’t an add-on for us, it’s our core focus. That means every part of our business is built around understanding how these policies work in practice and how they should respond at claim stage.
As one of the UK’s largest specialist providers selling directly to the public, we are able to offer policies that can be significantly more competitive than those available through dealerships. In some cases, customers can save up to 75% compared to equivalent dealer cover, without compromising on the level of protection.
Trusted by thousands of customers
Price matters, but so does confidence in the provider behind your policy.
Direct Gap is independently rated around 4.9 out of 5 across platforms such as Feefo and Trustpilot, supported by tens of thousands of verified customer reviews. Customers consistently highlight the clarity of cover, value for money and quality of service.
All policies also come with a 30-day money-back guarantee, giving you the opportunity to review your cover with confidence.
Designed to be genuinely useful
Our policies are built to provide meaningful protection when it’s needed, rather than relying on optional extras or restrictive terms.
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
- 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.
Speak to specialists, not a call centre
When you contact Direct Gap, you are speaking to a UK-based team with experience in motor insurance and vehicle finance.
Our advisors do not work on commission, so their role is to help you understand your options rather than to upsell.
Fast and straightforward claims
If your vehicle is declared a total loss, the claims process should be clear and efficient.
Once your motor insurer has made their settlement offer and all required documentation has been received, claims are typically processed within days. We aim to settle valid claims within 10 days, allowing you to move forward without unnecessary delay.
Flexible options to suit your circumstances
Vehicles are purchased and financed in different ways, so your cover should reflect that.
Direct Gap offers a range of policy types:
- Lease / Contract Hire GAP – helps settle your 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.
Policies are available across a range of terms, typically from 2 to 4 years, allowing you to select cover that aligns with your ownership or finance period.
Regulated, established and UK-based
Established in 2009, Direct Gap is authorised and regulated by the Financial Conduct Authority, giving you confidence that you are dealing with a regulated UK firm.
Our team is UK-based and easy to contact, providing support throughout the life of your policy.
Get covered in minutes
Arranging cover is straightforward:
- Get a quote online in seconds
- Choose the policy that fits your vehicle and circumstances
- Start your cover, often within minutes
Direct Gap provides specialist cover, clear information and a claims process designed to work when it matters.