Van Gap Insurance

According to data from the Department for Transport (DfT), there were 4.1 million vans in Great Britain in 2019 – an increase of 93% over the last quarter of a century. The DfT also reports that vans covered 55.5 billion miles in 2019, representing a rise of 106% when compared to statistics from 25 years ago.

With vans becoming increasingly commonplace on our roads, it’s more important than ever that van drivers have the appropriate protection in place. They need to be able to get behind the wheel with complete peace of mind that if anything should happen, they’ll be comprehensively covered.

That’s where a Van Gap Insurance policy from Direct Gap comes in. Read on to find out more about what it covers, how it works and how to get a quote from us in a matter of seconds.

  • 30-day money-back guarantee
  • Deferred start date option for new vans
  • No mileage restrictions during life of policy
  • Commitment to settle claims within 10 days
  • No claim limits on vans up to £50,000
  • All named drivers covered

What is Van Gap Insurance?

If your van is written off in an accident or is stolen, Gap Insurance covers the difference between your motor insurer’s settlement and the amount you paid for the vehicle in the first place. It will also cover any outstanding finance payments and, depending on the type of policy you have, could enable you to return to the road in a van to the same original specifications.

Taking out Gap Insurance for vans can be a sensible move, because your vehicle will depreciate over time. If it is written off, your insurance company will only pay out in line with its value at that time, not the original purchase price. That difference could easily run into thousands of pounds, so it makes good sense to add that extra layer of protection.

How does Gap Insurance for vans work?

Let’s say you bought a new van for £30,000. A few years later, its value has dropped to £20,000 due to natural depreciation. If it is stolen or written off at that point, your motor insurers would pay a settlement equal to its current market worth. So, you receive £20,000 but that still leaves you £10,000 out of pocket. A Van Gap Insurance policy pays that difference – including any outstanding finance arrangements – so that you’re not left counting the cost.

What are the different types of Gap Insurance for vans?

We want to make sure you find the right Gap Insurance for your van. Check out our various policy types below and see which form of cover might be best suited to you and your vehicle.

  • Finance/Contract Hire: Covers the difference between your insurance settlement and the amount you have left to pay on your finance agreement.
  • Return to Invoice: Pays the difference between your motor insurer’s settlement and the original purchase price of your van.
  • Vehicle Replacement: Covers the difference between your settlement and the cost of a replacement van matching the same original specifications.
  • Agreed Value: Pays the difference between your insurance settlement and the Glass’s Guide retail price at the time you purchased the policy.

How much is Gap Insurance for a van?

There are no set fees for our policies – the price you are quoted will depend on a number of factors, including the initial cost of your vehicle and the period of cover. We can provide commercial van Gap Insurance, campervan Gap Insurance as well as Gap Insurance for lease vans and it’s perfectly straightforward to get a quote.

Just hit the button below, follow the two simple steps and you’ll have your estimate in a matter of seconds.

Get a Van Gap Insurance quote

Are there any exclusions?

There are some vehicles that we do not cover and, as with any policy, there are some situations where your Van Gap Insurance would be invalidated. For example:

  • We only offer Gap Insurance for vans up to 3,500kg GVW.
  • If you use your van for a hire and reward scheme, such as a haulier or courier, this policy is not applicable.
  • We do not cover any vans over 10 years old or with more than 100,000 miles.
  • If your van is written off while the driver is under the influence of drugs, alcohol or prescription medication (where they have been advised against driving), your policy will be invalidated.
  • If your van is stolen due to negligence, such as the keys being left in the ignition, you will not be covered.

Please see your policy wording for a full list of exclusions. You should also note that for company van Gap Insurance, the policyholder must be a limited company registered in the UK.

Why choose Direct Gap for Van Gap Insurance?

Here are just some of the reasons why we’re regarded among the best Van Gap Insurance providers in the country:

  • Knowledge: We understand vans, drivers and the type of cover they need. Our team are experts in the field and all claims are dealt with in-house, so you’ll never be passed around a call centre.
  • Flexibility: Whether it’s commercial van Gap Insurance, campervan Gap Insurance or Gap Insurance for a lease van, we’ll do everything we can to help you find a policy that suits you and your vehicle.
  • Responsibility: We’re fully regulated and authorised by the Financial Conduct Authority and we adhere to only the highest ethical standards.
  • Integrity: Our team don’t make any commission from sales of Van Gap Insurance, so you can be sure they only want what’s best for you.
  • Service: Our customers are our number one priority. We pride ourselves on the way we treat our people and you can see from our testimonials here and below how much that is appreciated.

Get Gap Insurance for your van today

Your van is important to you, so it’s only right that you give it the protection it deserves – not to mention that priceless peace of mind for yourself too. It’s perfectly simple to get a Van Gap Insurance quote from us – just hit the button below and follow the two easy steps.

And if you have any questions, just give us a call on 01422 756100. A member of our expert, friendly team will be on hand to help you out.


  • Finance Owing:


  • Motor insurance pays:


  • Gap pays:


You have a shortfall of £6,000 which is paid by the Gap Insurance.

This sum can include interest charges, early settlement fees and would include all contract hire payments if the vehicle is hired.


See what our customers are saying about us

Mrs L Dench 31 Jan 2018


so refreshing to not be hounded by a sales person. really easy website to understand with no complications. will definitely recommend direct gap

Alan Ball 27 Jun 2017


First time i have bought Gap insurance on the web, it's a lot cheaper then the main car dealers and so easy to do online. So if Direct Gap lives up to its 5 star ratings i'll be happy.

Howard Holmes 6 May 2015


Ray Davis is a top man, and a very good singer.

mike jones 23 Dec 2013


Thank you James

Scott Rowley 15 Aug 2021


Fast and easy....used this company for my last 3 cars and never had an issue :)

P tilley 29 Jan 2015


Have used direct gap for our other famaily menbers cars. Delighted

Mark Copping 3 Jun 2018


Quick and easy. Like the fact you get a cost before putting personal details in

LUCY MONK 2 Mar 2014


easy and a much better value for money quote than the policy offered by Toyota!

Chris Ritchie 13 Mar 2018


Second time I've used Direct Gap. Straightforward site to use. Good value.

Dawn Wright 29 Dec 2019


I am a returning customer of Direct Gap insurers. I took this insurance out for piece of mind and I think it is totally worth it. I had it with my previous car also and was unlucky enough to actually have to use it. Tho…

Sarah Moxham 29 Sep 2021



Emma Mason 10 Jun 2018


Clear policies, I liked the 'example' policies for each option—very useful to help me decide on which GAP to buy.

Michael Hetherington 14 Apr 2015


Simple to set up and excellent value...... A+

roland fiveash 21 Mar 2015



David Clark 10 Sep 2021


Very Clear and easy to follow plus nice rates.

Helen Smith 2 Feb 2014


Easy website to use and very helpful staff.

Stella Smith 30 Jul 2021


Fast easy policy quote and set up. Have used Direct Gap for my last 3 cars. Would highly recommend!

PAUL MASSEY 27 Feb 2014


Web site easy to use. Good value for the three year vehicle replacement+ policy

Stephen Elliott 1 Oct 2021


Quick and easy with a good policy

Paul Ryan 14 Aug 2021


Quick and easy

Vanessa Bird 14 Jun 2019


Great customer service when products were described over the phone. Much better price than dealer. Hopefully I won't need to use it, but if I do, I feel confident I will be looked after.

lorna lewis 26 Jul 2015


much cheaper & longer term thanks to direct gap insurance

Clare emmins 23 Dec 2013


Because the quote was a lot cheaper than that of the garage where I bought my car. I like the peace of mind that having gap insurance gives. 

jonathan dingley 18 Dec 2013


Product that fitted my needs at the best price

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