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 discount, interest charges and road fund licence.
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.
The number of years the policy will run. (Please note policies cannot be renewed)

  • 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.

    Policy Wording

    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

  • 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.

    Policy Wording

    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

  • 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.

    Policy Wording

    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

Get a FREE Gap Insurance Quote!

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

  • FREE - No Quibble 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

Direct Gap is a trading style of Motor Gap Ltd, which is authorised and regulated by the Financial Conduct Authority