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 cover does Lease, Finance, & Contract Hire 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 Finance Gap Insurance?
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?
Why Finance, lease and contract hire gap insurance protection?
What is Finance, Lease and Contract Hire Gap Insurance?
How does Contract Hire Gap Insurance work?
Are Contract Hire Vehicles covered by this policy?
What happens when my lease car has been declared a total loss?
Do I need Gap Insurance on a Contract Hire or Lease vehicle?
What happens if I don't have contract hire gap insurance and my vehicle is written off?
Which Gap Insurance is best for PCP?
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?
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
£

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 cover does Return to Invoice+ Gap Insurance 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 my Return to Invoice policy?
Does Return to Invoice Gap Insurance 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.
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 cover does transferable Vehicle Replacement 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 my Vehicle Replacement gap policy?
Does Vehicle Replacement Gap Insurance settle my outstanding finance?
Does it cover my motor policy excess?
Can my Vehicle Replacement Gap 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 car and still be covered by Vehicle Replacement Gap insurance?
Am I covered to drive my vehicle abroad?
Is this a one off or annual payment?
What is vehicle replacement gap insurance?
How does vehicle replacement gap insurance work?
Do I need vehicle replacement gap insurance?
Can I get vehicle replacement gap insurance if I bought my car on finance?
Is vehicle replacement gap insurance only for new cars?
Do I get a courtesy car with vehicle replacement gap insurance?
Does total loss gap insurance cover me if I’m at fault?
When can I claim on my vehicle replacement gap insurance?
Do I still have to make payments on a car that is written off?
What is RTI gap 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

25 Jun 2020

Very easy to take out online, I had a query so asked on the live chat and they offered to call me back instead of waiting. They ca…

5-Star Rating

8 Jan 2014

All good

5-Star Rating

23 Sep 2014

QUICK AND EASY!

5-Star Rating

20 Mar 2014

very competitive price & easy quotation form

5-Star Rating

6 Dec 2015

Competitive prices, good explanations and an easy purchasing process.

5-Star Rating

26 Apr 2019

A good price, and the on-line form is very straight forward to use. This is the second time using Direct Gap, and I'm sure I will…

5-Star Rating

23 Dec 2013

QUICK & EASY TO SET UP

5-Star Rating

24 Sep 2019

Very quick and easy to look at quotes and to purchase this policy. It gives assurance that this is the UK's leading GAP Ins compa…

5-Star Rating

6 Mar 2017

Very easy. Previously had with another company who charged me over 3 times as much as this cost so very pleased. Would recommend t…

5-Star Rating

13 Jan 2019

Explained fully and simply. Easy to buy online. Much cheaper than similar cover the car dealer was offering.

5-Star Rating

30 Apr 2014

Policy choice info on Internet not totally clear as to the most appropriate policy type required. telephone helpline very good. Po…

5-Star Rating

21 Nov 2014

Best priced policy online for cover that I required... Easy form to fill out Thanks :-)

5-Star Rating

10 Jul 2016

Cheapest GAP insurance I've found!

5-Star Rating

20 Oct 2017

Easy to complete the transaction, reasonable price and covers a lease car that is just over one year old. Covers to the end of a t…

5-Star Rating

18 Dec 2013

Good value product

5-Star Rating

12 May 2014

Easy to use and quick to complete. Nice : )

5-Star Rating

23 Dec 2013

Excellent experience all round. Bought policy online, but needed some help, so called the free phone number and within 2 minutes m…

5-Star Rating

19 Oct 2017

Very straightforward process and by far best value for money across numerous websites

5-Star Rating

3 May 2015

Competitive price easy to complete and documents came through immediately. Would recommend

5-Star Rating

31 Aug 2016

Simple, straightforward with no ambiguities. A refreshing change from most other companies.

5-Star Rating

22 Sep 2014

Cheaper than dealer, good informative website.

5-Star Rating

20 Dec 2020

Quick and easy, 2nd policy I have taken out.

5-Star Rating

13 Dec 2019

Wesbite easy to use and when i phoned with a query regarding deposit protection Paul explained the policy clearly to me, without p…

5-Star Rating

27 Sep 2014

As superior as the manufactures dealer quote but 1/2 the price