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

Alexander Dobbie

5-Star Rating

12 Jul 2018

Good service, easy to use and just the policy I want.

Christopher Hunton

5-Star Rating

10 Jul 2018

Used before for wife's car - much better value than dealer offer again.

steve w

5-Star Rating

2 Jul 2018

Excellent. A vast saving on rip off policies offered by main dealers

Mark

5-Star Rating

30 Jun 2018

Very well priced and went through straight off. Can also use PayPal as well.

R Donnelly

5-Star Rating

29 Jun 2018

very easy - second time using you have recommended to others

Ann

5-Star Rating

21 Jun 2018

Less than half the price of dealer. You can see the policy before you commit to buy. I think I've done the right thing. Excellent…

Fiona Campbell

5-Star Rating

18 Jun 2018

Easy to select policy, clear wording and T&Cs, huge price difference between Direct Gap and the dealer policy.

Nathan Croker

5-Star Rating

15 Jun 2018

Very quick and easy - thank you. Referred to from an existing customer who already has multiple policies with yourself, so maybe y…

Kelly

5-Star Rating

11 Jun 2018

Returning customer :)

Emma Mason

5-Star Rating

10 Jun 2018

Clear policies, I liked the 'example' policies for each option—very useful to help me decide on which GAP to buy.

Joan Buttle

5-Star Rating

6 Jun 2018

All my questions were answered clearly and I was left knowing exactly which policy to buy. I am happy with the purchase I have mad…

Catherine Owen

5-Star Rating

4 Jun 2018

Website really easy to use and very reasonable prices. The dealer was wanting over £200 more!

Mark Copping

5-Star Rating

3 Jun 2018

Quick and easy. Like the fact you get a cost before putting personal details in

S Lacey

5-Star Rating

3 Jun 2018

Very easy service to use and nearly 40% cheaper than previously quoted.

Mrs G Winwright

5-Star Rating

1 Jun 2018

Straight forward to complete online,excellent value for money, I hope I don't need to use the policy but it's good to have the pie…

Ann Williams

5-Star Rating

1 Jun 2018

Easy to navigate website easy to buy, good value. Far cheaper than i was asked to pay at dealers.

Jo Goldstraw

5-Star Rating

29 May 2018

Easy to apply and clear and easy to understand what each policy covers. Peace of mind for the rest of my contract for a reasonable…

Maurice Stray

5-Star Rating

29 May 2018

Fantastic it was so easy and a fantastic price . I would like to thank every at Direct Gap for wonderful service.

Mr J Mitchell

5-Star Rating

26 May 2018

Easy and straight forward. Made quick clarification call about personal plate transfer before purchasing policy.

Wendy Newman

5-Star Rating

25 May 2018

Very good competitive price for 4-year cover. Beats ALA who I used to be with. Good easy-to-use website too!

Nicola D

5-Star Rating

24 May 2018

Quick online, helpful by phone. Less than half the price the dealership quoted me for gap cover, for a broader product. Happy!

Andrew Simpkins

5-Star Rating

23 May 2018

Called a couple of times to ask questions and both people were very helpful. I didn't catch the name of the first person, the seco…

Paul Rennie

5-Star Rating

23 May 2018

SECOND POLICY PURCHASED FROM DIRECT GAP. SEAMLESS, EFFORTLESS PROCESS

Patricia Axon

4-Star Rating

21 May 2018

Seems quite simple