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 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 - "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

Lesly H

5-Star Rating

16 Mar 2019

Good policy, price & easy to do. Can't fault it!

David Macpherson

5-Star Rating

14 Mar 2019

Easy web site to follow and at a good price for all the options I wanted.

Bill

5-Star Rating

13 Mar 2019

Hopefully won't ever have to use it but better level of cover and cheaper than the Dealer. Easy to use website. Thanks

Mr butler

5-Star Rating

12 Mar 2019

Very easy and fast service no hassle what so ever, I currently have two policies with direct gap can not recommend them enough

Jay Thurstans

5-Star Rating

11 Mar 2019

A 3rd of the price quoted by my dealer. Peace of mind at a reasonable price.

Robin Atkins

5-Star Rating

8 Mar 2019

Have used you 4 times now good price and cover

G MORRIS

5-Star Rating

6 Mar 2019

Best quote. Quick & easy to do. Higher mileage allowance than other policies. Very impressed!!

Michael Swan

5-Star Rating

6 Mar 2019

Rang Direct Gap for help and the lady I spoke to couldn't have been more helpful.

MICHAEL SHEE

5-Star Rating

5 Mar 2019

EXCELLENT WEB SITE GOOD TELEPHONE PERFORMANCE

bill ahmet

5-Star Rating

5 Mar 2019

very good have used before would recommend to others

Owain

5-Star Rating

4 Mar 2019

£150 cheaper than the dealer, easy, quick website to use

Peter Spence

5-Star Rating

4 Mar 2019

The application process was easy to follow. The premiums are so much lower than dealer quotes. I hope I don't have to test the cla…

John Exford

5-Star Rating

3 Mar 2019

Very simple online procedure. A good deal less than the dealer offer.

Mr S Roberts

5-Star Rating

2 Mar 2019

Very competitive compared to other quotes.

DAVE DAVIERS

5-Star Rating

2 Mar 2019

2ND POLICY NOW NEVER THOUGHT I'D USE FIRST ONE BUT SO GLAD I HAD IT AS CAR WRITTEN OFF AFTER 4 MONTHS. DIRECT GAP PAID OUT DIFFERE…

J Wills

5-Star Rating

28 Feb 2019

Great customer service and great price

Les

5-Star Rating

28 Feb 2019

Simple process and well priced. Saved around £220 against dealer quote.

GREGORY LEIGHTON

5-Star Rating

28 Feb 2019

EASY TO USE SERVICE. EXCELLENT FRIENDLY CUSTOMER SERVICE. NO HASSLE AND EASY TO NAVIGATE THE SITE.

Mrs K McSweeney

5-Star Rating

27 Feb 2019

Checked out previous reviews, all positive. Good price compared to other sites.

Ray Pritchard

5-Star Rating

27 Feb 2019

Great service, easy to navigate website and always much cheaper than dealer prices. this is my 3rd car covered this way. Excellent…

Robert Leslie

5-Star Rating

26 Feb 2019

Very straightforward process. Well done!

Mark MacGregor

5-Star Rating

24 Feb 2019

Easy to complete and good customer feedback

richard patuzzo

5-Star Rating

24 Feb 2019

hi this is the second policy I have with you-- I have one for my car thought is was good value we decided to got one for my wife n…

Steven Cartwright

5-Star Rating

21 Feb 2019

A great offer! Both the insurer and cover seem good