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

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…

Kirsty

5-Star Rating

10 Sep 2018

Easy and simple to use and understand, helpline staff friendly and helpful.

Sarah Auener

5-Star Rating

8 Sep 2018

Very easy to use and cost competitive

Jamie Stafford

5-Star Rating

7 Sep 2018

Took a policy with my previous car and even though it wasn’t needed it was nice to have the protection. Needless to say my n…

Ednan

5-Star Rating

5 Sep 2018

Better priced than competitors, website has all the information available to help decide which policy you require.

Peter van de Vyver

5-Star Rating

5 Sep 2018

Used you for every Car i've had. Very good!

Sandy Hood

5-Star Rating

3 Sep 2018

Delighted to receive your email. I then phoned and spoke with a very helpful and pleasant lady. Overall excellent service

lynda yeomans

4-Star Rating

3 Sep 2018

Very straightforward website. easy to read and follow. very friendly yet professional telephone manner from James who answered a c…

David Trotter

5-Star Rating

1 Sep 2018

2nd policy purchased, excellent value for the money. Will certainly recommend.

Kerry

5-Star Rating

28 Aug 2018

Very cheap prices, very easy to buy. Website easy to navigate and use.

Sean Alp

5-Star Rating

26 Aug 2018

I have used this company for my last car. Thankfully I never had to use it but for the price an cover this company offers it's a n…

Kevan Sharp

5-Star Rating

23 Aug 2018

Clearly written content - better than others I looked at!

Daniel Simms

5-Star Rating

20 Aug 2018

Very reasonably priced, quick navigation throughout the website and able to pay via PayPal. Very good service all round.

Magdalena Phipps

5-Star Rating

15 Aug 2018

Website very easy to follow; documents available and very clear. I’ve read plenty of good reviews although I hope I will nev…

Mike Hammill

5-Star Rating

13 Aug 2018

Good web site, very easy to use and the FAQs were very helpful.

Helen Stevens

5-Star Rating

12 Aug 2018

Very easy website to navigate.

I Gill

5-Star Rating

10 Aug 2018

Sage Pay screen exceptionally & irritatingly small. Otherwise very good.

Jayne Hopkins

5-Star Rating

7 Aug 2018

Online application easy to complete. Also the gentleman I spoke to regarding a query about return to invoice continuing if I conve…

Gillian Hyland

5-Star Rating

6 Aug 2018

Had to ring in a few times for help and your customer relations people were great namely James and Hayley. Great service and very…

Mr A Banner

5-Star Rating

6 Aug 2018

No fuss website - straight forward to fill in and submit. Excellent