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.      
  • 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 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?
What happens if I don’t have Contract Hire Gap Insurance and my car 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?
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 cover does Return to Invoice + Finance Gap 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.
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 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 my vehicle replacement gap insurance 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?
What is vehicle replacement gap insurance?
How does vehicle replacement gap insurance work?
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?
Get cover now
£

Buy With Confidence, Direct Gap Provides all these benefits FREE of charge:

  • FREE - "5" Star Rated Insurance 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

David B

5-Star Rating

18 Dec 2013

Super no hassle transaction

Raymond Doe

5-Star Rating

10 Mar 2015

Great service

Darren Yeates

5-Star Rating

18 Feb 2016

Bought policy for my car, and due to the ease and competitiveness of the quote, did the same on my wife's recently delivered car.…

Andy Gosling

5-Star Rating

23 Dec 2013

Very easy to use, succinct and quick, Thanks

Michael

5-Star Rating

5 May 2017

So easy to complete. The dealership were going to charge £359. Thank you

Dawn Wright

5-Star Rating

29 Dec 2019

I am a returning customer of Direct Gap insurers. I took this insurance out for piece of mind and I think it is totally worth it…

Calum Marrows

5-Star Rating

28 Oct 2014

I spoke to one of your team to confirm I was buying the correct policy for my needs, he was very helpful - thank you

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…

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

C Hitchcock

5-Star Rating

16 Sep 2015

Easy. Just what I need. Half the price of the main dealer. Thanks

skulteckis

5-Star Rating

18 Dec 2013

verry easy to use website.

Lekesha Noel

5-Star Rating

19 Sep 2016

Very easy and straight forward process. Excellent prices. The website answers all questions you may have under FAQ's too - would d…

Robin Atkins

5-Star Rating

8 Mar 2019

Have used you 4 times now good price and cover

Robert Howell

5-Star Rating

20 Aug 2019

Easy to follow application. Will recommend to others. Good price.

Dan C

5-Star Rating

17 Dec 2013

Very good website, only 1 quick form to fill in

Julie champion

5-Star Rating

6 May 2014

Very competitive and helpful on phone

Peter Banks

5-Star Rating

23 Dec 2013

Hope we never need it, but online reviews convinced me to go with you rather than anyone else

Candida Gillibrand

5-Star Rating

15 May 2014

Very clear website and easy to complete details and purchase. Thank you.

H Faint

5-Star Rating

23 Jan 2018

Extremely competitive price. Dealer was so expensive for exactly the same cover. Would absolutely recommend DirectGap!

Mrs Helen Brown

5-Star Rating

23 Dec 2013

Good price and very helpful when I rang up for advice. 

Mick Coy

5-Star Rating

23 Dec 2013

Superb, simple use of technogy. So many companies bog themselves down in complicated web sites and backend capabilities that it co…

julie furey

5-Star Rating

14 May 2014

Always a good service and value for money.

Richard Hill

5-Star Rating

19 Oct 2017

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

sarah Hutchinson

5-Star Rating

1 Jun 2015

very quick and easy. good reviews