The price of your Vehicle, as confirmed in the sales invoice which includes factory fitted accessories and dealer fitted options up to £1,500 and paintwork protection systems up to £250. You should exclude all deposit allowances, discounts, rebates, concessions, cashbacks, incentives and contributions, new vehicle registration fees, road fund licence fee, number plates, warranty costs, insurance premiums, fuel and other extras, arrears or negative equity.      

Choose an insurance type

  • 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.
Vehicle Cost

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 is Contract Hire Gap Insurance?
How does Contract Hire, HP and PCP Gap Insurance work?
Why do I need Contract Hire or PCP Gap Insurance?
What happens if I don't have Contract Hire Gap Insurance and my vehicle is written off?
Do I need Gap Insurance on a leased car?
What is total loss?
What happens when my car has been declared a total loss?
Does Contract Hire Gap Insurance cover me if I’m at fault?
How do I make a claim on my policy?
Which is the best Gap Insurance for PCP?
Are Contract Hire Vehicles covered by this policy?
How do I get a quote for Contract Hire Gap Insurance?
Can I cancel my Contract Hire/PCP Gap Insurance?
How long can I have owned the vehicle for and still buy the policy?
Whose name should the policy be in?
Does Contract Hire Gap Insurance cover my motor policy excess?
Am I covered for theft of vehicle with keys?
Why would this policy not pay out?
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 Finance Gap Insurance?
Is Deposit Protection available?
Can anyone drive my vehicle and still be covered by Lease, HP or PCP Gap Insurance?
Am I covered to drive my vehicle abroad?
How can I pay for my Contract Hire Gap Insurance?
Why is Direct Gap so much cheaper than motor dealers quote?
When and how do I receive my policy documents?
How old can my car be to buy Finance Gap Insurance?
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.
Vehicle Cost

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 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?
I have new-for-old cover for 12 months on my motor insurance. Can I defer my Return to Invoice Gap Insurance policy?
Can this policy be transferred to a replacement vehicle?
Does RTI Gap Insurance cover me if I’m at fault?
Do I need RTI Gap Insurance as well as motor insurance?
What is total loss?
How do I claim on my Return to Invoice Gap Insurance?
How do I get a Return to Invoice Gap Insurance quote?
Can I cancel my RTI Gap Insurance?
How long can I have owned the vehicle for and still buy the policy?
Whose name should the policy be in?
Does RTI Gap Insurance cover my motor policy excess?
Does RTI Gap Insurance cover me for theft of vehicle with keys?
Why would this policy not pay out?
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?
Can anyone drive my vehicle and still be covered by my RTI Gap Insurance?
Am I covered to drive my vehicle abroad?
How do I pay for my Return to Invoice Gap Insurance?
Is this a one off or annual payment?
Why is Direct Gap so much cheaper than motor dealers quote?
When and how do I receive my policy documents?
How old can my car be to buy Return to Invoice Gap Insurance?
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.
Vehicle Cost

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 is Vehicle Replacement Gap Insurance?
How does Vehicle Replacement Gap Insurance work?
Do I need Vehicle Replacement Gap Insurance?
What is total loss?
Does total loss gap insurance cover me if I’m at fault?
Can I get Vehicle Replacement Gap Insurance if I bought my car on finance?
Does Vehicle Replacement Gap Insurance settle my outstanding finance?
Do I still have to make payments on a car that is written off?
Is Vehicle Replacement Gap Insurance only for new cars?
How long can I have owned the vehicle and still buy the policy?
I have new-for-old cover for 12 months on my motor insurance; can I defer my vehicle replacement gap policy?
How can I pay?
Why is Direct Gap so much cheaper than a motor dealer’s quote?
When can I claim on my Vehicle Replacement Gap Insurance?
What is the claim limit?
Why would this policy not pay out?
What is the vehicle purchase price that I should use to calculate the cost of the policy?
Who is the insurer of this policy?
When and how do I receive my policy documents?
Whose name should the policy be in?
Does Vehicle Replacement Gap Insurance cover my motor policy excess?
Can my vehicle replacement gap policy be transferred to another vehicle?
Am I covered for theft of vehicle with keys?
Can anyone drive my car and still be covered by Vehicle Replacement Gap Insurance?
Am I covered to drive my vehicle abroad?
Do I get a courtesy car with vehicle replacement gap insurance?
Can I cancel my vehicle replacement gap cover?
How do I get a total loss gap insurance quote?
How old can my car be to buy Vehicle Replacement Insurance?
Get cover now
£

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

  • FREE - 5 Star Rated 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

5-Star Rating

26 Sep 2021

Quick and easy

5-Star Rating

3 Nov 2019

Right Price - good elements in the cover that many others dont give - Theft by keys, no limit to cover value and others

5-Star Rating

30 Jul 2019

Very easy to use when purchasing the policy, we shall see how they do if we ever need to claim!

5-Star Rating

6 Jan 2014

Very good website, easy to use. Thanks

5-Star Rating

19 Aug 2020

Simple and easy to deal with online and vastly reduced premiums to those offered by Lookers dealerships.

5-Star Rating

2 Sep 2021

Simple process

5-Star Rating

4 Sep 2021

Easy and clear for peace of mind, Cheaper than dealer can offer.

5-Star Rating

5 May 2018

Having just bought my car, GAP Insurance gives me the peace of mind that should anything happen I will not be left with a large fi…

5-Star Rating

4 Apr 2014

Quck and straightforward

5-Star Rating

1 Sep 2021

efficient

5-Star Rating

23 Dec 2013

Good value for money, easy and straight forward.

5-Star Rating

21 May 2019

Direct Gap Vehicle Replacement Insurance delivers exactly what it promises and is absolutely excellent value for money. It is much…

5-Star Rating

6 Sep 2021

Excellent

5-Star Rating

18 Dec 2013

I used DG because of ease of use of the quote system

5-Star Rating

23 Dec 2013

GOOD PRICES, EASY TO USE WEBSITE WITH FULL CLEAR POLICY INFORMATION. GREAT PRODUCT

5-Star Rating

27 Sep 2014

Wonderful. Simply and straight forward. Thank you

5-Star Rating

31 Jul 2018

Excellent service, website clear answered all my questions. Great price

5-Star Rating

23 Nov 2014

Excellect Service!!! Quick and easy to use, bringing a sense of peace of mind to us the customer who buy into finance cars. It hel…

5-Star Rating

23 Dec 2013

price easy to use web page.

5-Star Rating

23 Dec 2013

I used Direct Gap after recently having my car written off (no fault of my own) and being left with a short fall to pay with the l…

5-Star Rating

8 Aug 2015

Great cover at a great price

5-Star Rating

25 Nov 2014

easy to use website, completed within 5 minutes

5-Star Rating

20 Nov 2014

Very straight forward and easy to use

5-Star Rating

22 Nov 2014

Quote given and Insurance arranged very quickly with no problem