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

Patricia Axon

4-Star Rating

21 May 2018

Seems quite simple

Matthew

5-Star Rating

20 May 2018

Really easy website to use, competitive and had the policy documents instantly. Best reviews on the market!

Nicole Hickman

5-Star Rating

17 May 2018

Great service, super quick & brilliant price. I've always purchased my GAP via the dealership and it's always cost me c. £…

Francesca Gilbert

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…

Matt Jones

5-Star Rating

2 May 2018

Very easy to use website to purchase GAP insurance for my car with lots of information to make sure I was purchasing the correct i…

Mobin

5-Star Rating

2 May 2018

Got an honest person that gave me the right quote that suits me at a very competitive price. Plus based in uk.

Ellie Nwolie

5-Star Rating

21 Apr 2018

Quick and easy! This was the cheapest price I found for gap insurance - much better than the dealership's offer of £399, and…

Catriona Campbell

5-Star Rating

18 Apr 2018

Elizabeth Ruane very helpful, and easy to contact. Website easy to use and intuitive. Quick quotes which I needed and can use PayP…

James Slater-Booth

5-Star Rating

17 Apr 2018

I've used your company for a number of years and am very impressed very easy to use and great prices too.

Karen Skuse

5-Star Rating

13 Apr 2018

The terms and cost of this policy are excellent. I've only just purchased it, so I can't make a comment about a claim. The peace o…

Si

5-Star Rating

7 Apr 2018

Great easy to purchase Gap Insurance. Great service. My wife also has a policy with you. We hope never to need to use them, but gr…

Keith Mccreadie

5-Star Rating

6 Apr 2018

Simple and easy to use. I work in the motor trade and this is cheaper by more than double.

Nicky Thomas

5-Star Rating

5 Apr 2018

Great website with very clear explanations of what each policy was and fantastic price compared to the dealership. Felt a lot bett…

George Payne

5-Star Rating

5 Apr 2018

recommended by Which Magazine, half the price of dealers policy.

T Smith

5-Star Rating

2 Apr 2018

Arranging this Gap cover was very easy on line.the premium is competitive,I also liked dealer added items are included up to £…

Paul Lamb

5-Star Rating

30 Mar 2018

Spoke to CS and he was very helpful on advising us the full terms of each policy - very helpful indeed

Graham Baxter

5-Star Rating

29 Mar 2018

Brilliant price for Gap insurance and return to invoice +

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…

Simba

5-Star Rating

27 Mar 2018

Over 50% cheaper than the main dealer 'return to invoice' quote...real value for money!

Kathryn Mullins

5-Star Rating

27 Mar 2018

Quick and easy to do, comprehensive information, good ratings.

Joseph Adeleye

5-Star Rating

26 Mar 2018

I had my car stolen and direct gap were very considerate. They helped me through my claim and helped with the vehicle replacement.…

Mike Brewerton

5-Star Rating

25 Mar 2018

Comparison site showed that Direct Gap was the number 1 for GAP insurance so ran a quote. It was significantly cheaper than what t…

Lee George

4-Star Rating

24 Mar 2018

Good value

Ben F

5-Star Rating

24 Mar 2018

Super easy to apply for, will be using this again for my next lease. A+ Thank you