Please enter/change your quote criteria below:
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.
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.
  • 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 does Return to Invoice/ Finance 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
£

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 - "A" Rated Insurer with 30 Day Money Back Guarantee
  • FREE - We Guarantee to beat any Gap Insurance Quote
  • 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

Omar Jerome Fitzpatrick

5-Star Rating

11 Nov 2018

Painless experience. Cheers for the free temporary cover. I will definitely be back to sign up for full package.

A Kenny

5-Star Rating

11 Nov 2018

2nd vehicle covered with Direct Gap - very easy and a lot cheaper than policy offered by dealer

David Owen

5-Star Rating

6 Nov 2018

No fuss, no change to claim limit on final quote. Straightforward transaction won the day

ANTHONY WRIGHT

5-Star Rating

5 Nov 2018

So easy to set up and very well priced

Aidan Cullen

5-Star Rating

5 Nov 2018

Very easy and reasonably priced. Now have 3 policies with you. Thanks

G Lewis

5-Star Rating

2 Nov 2018

Nice & easy, also 50% cheaper than offered by the dealer & finance company.

Mohammed Saleem

5-Star Rating

1 Nov 2018

Process to get the insurance was seamless on the internet. Cannot comment on the service as hoping I never have to use them.

Lynda Berry

5-Star Rating

1 Nov 2018

First time I have purchased Gap insurance so had a few queries. Spoke to James who was very helpful and reassuring. Hopefully I ne…

D Thomas

5-Star Rating

1 Nov 2018

Very pleased with quote, policy wording and online ease of use for applying. :-)

Sadiq Mohsin

5-Star Rating

1 Nov 2018

Easy completion of application form. Reviews are good. The reason for choosing Direct Gap.

Robert Lawson

5-Star Rating

17 Oct 2018

Lady on the phone was the best operator , 10/10, informative ,helpful many thanks.

Alf Boswell

5-Star Rating

17 Oct 2018

Hayley was very helpful on the telephone answering all of my questions.

Ross Ranson

5-Star Rating

16 Oct 2018

Comprehensive cover and easy to purchase. Thank you

Gemma wells

5-Star Rating

8 Oct 2018

I phoned to make a query before purchasing & the lady on the phone was very quick to answer & extremely helpful. Also you…

ernest barnett

5-Star Rating

6 Oct 2018

excellent service can't fault you

Mr Mehair

5-Star Rating

5 Oct 2018

Explained that Tesla tracker is already built in and that the car is not parked in a garage but within secure gated estate. Direct…

Sonni clugston

5-Star Rating

3 Oct 2018

Very easy company to deal with and very clear information on your website, it also loads quickly and I feel confident I’ve m…

chris kearns

5-Star Rating

28 Sep 2018

Very good price with excellent benefits for the policy. Have used Direct Gap before and would recommend.

Ian Clack

5-Star Rating

25 Sep 2018

Very competitively priced compared to other insurers and extremely easy to complete online and arrange the gap insurance.

Andre

5-Star Rating

21 Sep 2018

Excellent definently 5 star company

MARK GOULD

5-Star Rating

20 Sep 2018

GREAT SERVICE THE SAME PRODUCT WITH MERECEDES AT THE POINT OF PURCHASE WAS £599.00 !!

Neil Skinner

5-Star Rating

19 Sep 2018

Easy to use to find out information and then purchase. Price very competitive with fewer exclusions and limitations than more expe…

Simon McFerran

5-Star Rating

17 Sep 2018

Very easy to use website, terms are clearly laid out and well priced. The payment process was smooth and efficient, good payment o…

Stephen Pokora

5-Star Rating

16 Sep 2018

Very straightforward purchase process. Couldn't be easier. I hope to not have to use the policy of course but there's peace of min…