The total invoice purchase price for your vehicle. This includes ALL factory fitted optional extras and up to £1500 of dealer fitted optional extras but excludes any vehicle discounts and interest charges.      
  • 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.

Finance/Contract Hire

Total Premium: The full amount that you will pay to cover the entire term of your selected policy. This includes the IPT, (Insurance Premium Tax that is paid to the government).
£
Cover limit: The cover limit is the difference between the motor insurance payout at the point of total loss and the amount you need to claim under the GAP policy.
Unlimited

Policy information

Period of Cover Available 1-5 Years
Maximum Claim Limit Unlimited
Maximum Vehicle Purchase Price £75,000
When do I need to buy the policy Anytime
Will it Settle Finance Agreements YES
Is it Transferable to my next vehicle NO
Covers ALL Manufacturer fitted extras  YES
30 day Money Back Guarantee YES
Covers all drivers on your insurance policy YES
Covers theft with use of keys YES
Cover Insurance Excess up to £250 YES
Example

Example 1 (PCP & Finance Purchases)

Total Loss after 14 months

Vehicle Cost £20,000
Deposit £1,000
Balance Financed £19,000
Motor Insurance Pays £12,000
Finance Settlement £18,000
Finance GAP Pays £6,000

Example 2 (Contract Hire)

Total Loss after 12 months

Vehicle Cost £500 per month for 36 months
Motor Insurance Pays £18,000
Finance Settlement £24,000
Finance Gap Pays £6,000 Settles the Hire Agreement

The finance gap insurance pays the shortfall (£6,000) between your motor insurance payment and the settlement amount with the finance house clearing your financial obligations in full.

FAQ's
What cover does Finance Shortfall Gap provide?
What is the vehicle purchase price that I should use to calculate the cost of the policy?
Who is the insurer of this policy?
What is the claim limit on a Finance Gap?
Is Deposit Protection Available?
When and how do I receive my policy documents?
What is total loss?
How can I pay?
Whose name should the policy be in?
Does it cover my motor policy excess?
Am I covered for theft of vehicle with keys?
Why would this policy not pay out?
Why is Direct Gap so much cheaper than motor dealers quote?
Can anyone drive my vehicle and still be covered by GAP?
Am I covered to drive my vehicle abroad?
Is this a one off or annual payment?
Are Contract Hire Vehicles covered by this policy?
Get cover now
£

Return to Invoice +

Total Premium: The full amount that you will pay to cover the entire term of your selected policy. This includes the IPT, (Insurance Premium Tax that is paid to the government).
£
Cover limit: The cover limit is the difference between the motor insurance payout at the point of total loss and the amount you need to claim under the GAP policy.
Unlimited

Policy information

Period of Cover Available 1-5 Years
Maximum Claim Limit Unlimited
Maximum Vehicle Purchase Price £75,000
When do I need to buy the policy Within 180 days
Will it Settle Finance Agreements YES
Is it Transferable to my next vehicle YES
Covers ALL Manufacturer fitted extras  YES
30 day Money Back Guarantee YES
Covers All Named Drivers  YES
Covers theft with use of keys YES
Cover Insurance Excess up to £250 YES
Example

Example 1 (Cash Purchase)

Vehicle Cost £20,000
Motor Insurer Pays £10,000
RTI GAP Pays £10,000

Example 2 (Finance Purchase)

Vehicle Cost £20,000
Motor Insurer Pays £10,000
Finance Settlement £15,000
RTI GAP Pays £10,000

You receive a total of £20,000 out of which you settle the finance of £15,000 and you retain the balance of £5,000.

NOTE: If your finance settlement exceeds the Vehicle Cost. The GAP policy will settle your obligation in full.

FAQ's
What cover does Return to Invoice + Finance Gap provide?
What is RTI gap insurance?
How does RTI gap insurance work?
Do I need RTI gap insurance?
Is RTI gap insurance worth it?
Can I get RTI gap insurance if I bought my car on finance?
Does RTI gap insurance cover me if I’m at fault?
Do I need RTI gap insurance as well as motor insurance?
When can I claim on my return to invoice gap insurance?
What is the vehicle purchase price that I should use to calculate the cost of the policy?
Who is the insurer of this policy?
What is the claim limit?
When and how do I receive my policy documents?
What is total loss?
How long can I have owned the vehicle for and still buy the policy?
How can I pay?
Whose name should the policy be in?
I have new for old cover for 12 months on my motor insurance; can I defer this policy?
Does this settle my outstanding finance?
Does it cover my motor policy excess?
Can this policy be transferred to a replacement vehicle?
Am I covered for theft of vehicle with keys?
Why would this policy not pay out?
Why is Direct Gap so much cheaper than motor dealers quote?
Can anyone drive my vehicle and still be covered by GAP?
Am I covered to drive my vehicle abroad?
Is this a one off or annual payment?
Get cover now
£

Vehicle Replacement +

Total Premium: The full amount that you will pay to cover the entire term of your selected policy. This includes the IPT, (Insurance Premium Tax that is paid to the government).
£
Cover limit: The cover limit is the difference between the motor insurance payout at the point of total loss and the amount you need to claim under the GAP policy.
Unlimited

Policy information

Period of Cover Available 1-5 Years
Maximum Claim Limit Unlimited
Maximum Vehicle Purchase Price £75,000
When do I need to buy the policy Within 180 days
Will it Settle Finance Agreements YES
Is it Transferable to my next vehicle YES
Covers ALL Manufacturer fitted extras  YES
30 day Money Back Guarantee YES
Covers All Named Drivers YES
Covers theft with use of keys YES
Cover Insurance Excess up to £250 YES
Example

Example 1 (Cash Purchase)

New Vehicle Total Loss after 24 months

Vehicle Cost £20,000
Motor Insurance Pays £10,000
Cost of a Replacement Vehicle £25,000
GAP Pays the Difference £15,000

Example 2 (Finance Purchase)

New Vehicle Total Loss after 24 months

Vehicle Cost £20,000
Motor Insurance Pays £10,000
Finance Settlement £10,000
Cost of a Replacement Vehicle £25,000
VRI GAP pays £15,000

You get the full amount of money to buy a brand new replacement vehicle.

You receive a total of £25,000 out of which you settle the finance of £10,000 and you retain the balance of £15,000 as a deposit towards buying a brand new vehicle and your finance is settled in full.

FAQ's
What cover does Transferable Vehicle Replacement/Finance Shortfall Gap provide?
What is the vehicle purchase price that I should use to calculate the cost of the policy?
Who is the insurer of this policy?
What is the claim limit?
When and how do I receive my policy documents?
What is total loss?
How long can I have owned the vehicle for and still buy the policy?
How can I pay?
Whose name should the policy be in?
I have new for old cover for 12 months on my motor insurance; can I defer this policy?
Does this settle my outstanding finance?
Does it cover my motor policy excess?
Can this policy be transferred to a replacement vehicle?
Am I covered for theft of vehicle with keys?
Why would this policy not pay out?
Why is Direct Gap so much cheaper than motor dealers quote?
Can anyone drive my vehicle and still be covered by GAP?
Am I covered to drive my vehicle abroad?
Is this a one off or annual payment?
Get cover now
£

Buy With Confidence, Direct Gap Provides all these benefits FREE of charge:

  • FREE - "5" Star Rated Insurance with 30 Day Money Back Guarantee
  • FREE - Unlimited Claim Limits on vehicles up to £50k
  • FREE - Policy transfer on RTI and VRI
  • FREE - Deferred Start Date Option for New Vehicle Purchases
  • FREE - Cover for ALL named drivers on your policy
  • FREE - No mileage restrictions during life of policy
  • FREE - Policy Amendments for Registration Number & Address Changes
  • FREE - Commitment To SETTLE your claim within 10 days
  • FREE - Credit Card Payments, No Additional Fees

Customer reviews

Gold trusted service on Feefo
We score 4.9 out of 5 on an independent Customer Experience Rating with Feefo
4.9 out of 5 on an independent Customer Experience Rating with Feefo

Mr P Haslehurst

5-Star Rating

23 Dec 2013

Phone call service and help and the policy was less than half the price of the vehicle dealer.Slight hiccup on sending out policy…

John austins

5-Star Rating

8 Apr 2014

Easy website to use.

baris ulger

5-Star Rating

23 Dec 2013

I had new for old cover on my vehicle for the first 12 months. You helped me defer my start date which made the insurance even bet…

Mr antony brown

5-Star Rating

19 Dec 2013

Really good and clear - T&C well laid out

Lawrence Wood

5-Star Rating

29 Mar 2018

Easy to use website and policy good value. Staff were exceptional when I realised I had made an error and was sorted out with no f…

Christian Kay

5-Star Rating

18 Dec 2013

Thank you so much for your help arranging my Finance GAP. I originally got a quote online but chose the wrong product for my circu…

Stacie Cozens

5-Star Rating

8 Oct 2015

Recommended by a friend, great prices and covers exactly what others do not

Chris Jones

5-Star Rating

26 Sep 2014

Easy to select and pay. Much cheaper than dealers and PCH brokers. Luckily haven't had to claim on this in last 8 years!

Louise Denney

5-Star Rating

26 Apr 2016

Recommended by a friend and it is the cheapest by far I was offered one by the dealers and the price was alot more for the same co…

Chris Mullane

5-Star Rating

18 Dec 2013

Easy to understand much cheaper than main dealer.

Beth

5-Star Rating

10 Jul 2019

Brilliant value...Over 50% cheaper than using the one quoted at the Audi dealership AND for an extra year!!

Mark Weaver

5-Star Rating

21 Feb 2015

A breath of fresh air to see an uncomplicated, user friendly website with everything laid out clearly,

Chris Robinson

5-Star Rating

4 Mar 2015

Competitive price, great service and policy wording.

Mark Peel

5-Star Rating

6 Dec 2015

Competitive prices, good explanations and an easy purchasing process.

R Harris

5-Star Rating

16 Mar 2018

Our second policy, very easy online service and much better value than one's offered by dealers, recommended.

Nelly Brotzen

5-Star Rating

23 Dec 2013

Ease of use of website and clear explanation of products available.

Antony martinez

5-Star Rating

17 Jul 2014

Easy to use website and fair price for gap insurance

Simon Armstrong

5-Star Rating

13 Jun 2019

2nd Policy taken out. Very easy website to use and completed start to finish in 10 minutes.

Karlis Kuzis

5-Star Rating

20 Dec 2018

Best price on market - FOR 5 YEARS COVER. Amazing!!!

Jannine Wood

5-Star Rating

25 Feb 2014

Fantastic service

Simon Ford

4-Star Rating

6 Feb 2014

This is only with regard to the buying process - we'll see what happens if there is a claim.

vijay nathwani

5-Star Rating

8 May 2014

excellent service from your sales team

shannon heenan

5-Star Rating

1 Oct 2014

brilliant

LeeKitchen

5-Star Rating

26 Jul 2016

Can't believe how cheap the cover is, wish I knew before taking out GAP with dealership, luckily I'm within my 30 day period so I'…