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 - "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

Ashley Griffiths

5-Star Rating

19 Jan 2019

I am a returning customer and have always received a great service when changing plates or vehicles. Great company with extremely…

Mr Muhit

5-Star Rating

19 Jan 2019

Spoke to a lovely lady on the phone and helped me decide on the right policy for myself. I wasn't pressured into anything and than…

Daniel Vyhnanek

5-Star Rating

16 Jan 2019

Hi I hope wont need it but so far lady on the phone was so friendly, I was so surprised . Thank you

Mrs L Tocher

5-Star Rating

13 Jan 2019

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

Tony Maslin

5-Star Rating

13 Jan 2019

Easy to navigate. I hope I never need to make a claim, but, if I do I hope the service will continue to match your reputation.

Chi Cham

5-Star Rating

13 Jan 2019

Website very informative, best price by far, easy decision to buy policy.

Lewis Smith

5-Star Rating

12 Jan 2019

Very quick & easy to do... very straightforward. Would definitely recommend from a purchasing point of you. Clear guidance, ve…

Claire Seymour

5-Star Rating

12 Jan 2019

Recommended by a friend - applied for gap insurance online very quick, easy and trustworthy! great price too. Thank you

Janet Brown

5-Star Rating

9 Jan 2019

This will be the third policy I have had with Direct Gap and so far have never needed to claim against them but the website. ease…

Mrs K Dorning

5-Star Rating

9 Jan 2019

Very simple to arrange, competitive quotation. Far better than the dealer option.

Rick Bury

5-Star Rating

8 Jan 2019

Very easy to use and quick Also like you can transfer to another car (could not do this with old policy)

John Martin

5-Star Rating

6 Jan 2019

Have used this company a number of times, excellent service

James Carter

5-Star Rating

4 Jan 2019

I taken this policy out, knowing paying more than another provider after speaking to James over the phone, his knowledge & con…

wendy buddle

5-Star Rating

2 Jan 2019

Previous experience very good, hence I've returned

G Nash

5-Star Rating

22 Dec 2018

Not the cheapest quote received (at £189 vs £157) but the purchase went through without a hitch. Proof of the quality wi…

Karlis Kuzis

5-Star Rating

20 Dec 2018

Best price on market - FOR 5 YEARS COVER. Amazing!!!

Barry Tunnicliffe

5-Star Rating

20 Dec 2018

Best price, easy to use website and good reviews - Hopefully if I need to make a claim then the process will be just as smooth.

steve rowley

5-Star Rating

14 Dec 2018

better than any car dealer who don't seem to want to sell you anything !

Lesley Smith

5-Star Rating

13 Dec 2018

I would highly recommend Direct Gap. Paid out £10k on a policy for a previous car without any dramas.

Julian Willis

5-Star Rating

13 Dec 2018

Quick, easy and covered!

Graham Dickinson

5-Star Rating

13 Dec 2018

I chose Direct Gap because of the good reviews and that fact that they were not the cheapest. I would rather pay a little more and…

Mark Shillito

5-Star Rating

12 Dec 2018

I rang to ask about the differences between policies before purchasing and a very pleasant lady talked me through the main differe…

lynsey pattison

5-Star Rating

12 Dec 2018

Excellent phone staff and really easy to apply online too

neil jones

5-Star Rating

11 Dec 2018

Fantastic value and the simplest of policies to arrange. A third of the cost compared to GAP insurance offered by the dealership