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.      

Choose an insurance type

  • 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.
Vehicle Cost

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?
Will Brexit affect my Gap Insurance 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.
Vehicle Cost

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?
Will Brexit affect my Gap Insurance Policy?
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.
Vehicle Cost

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?
Will Brexit affect my Gap Insurance Policy?
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

Greg Pestana

5-Star Rating

2 Dec 2014

Site - Easy to use. Policy looks the same as main Dealer but with extra options. e.g. transferable.

Simon Ford

4-Star Rating

6 Feb 2014

This is only with regard to the buying process - we'll see what happens if there is a claim.

Mr P Haslehurst

5-Star Rating

23 Dec 2013

Phone call service and help and the policy was less than half the price of the vehicle dealer.Slight hiccup on sending out policy…

Joseph Adeleye

5-Star Rating

26 Mar 2018

I had my car stolen and direct gap were very considerate. They helped me through my claim and helped with the vehicle replacement.…

Lisa

5-Star Rating

5 Feb 2016

Phoned for advise on which GAP option was relevant to buy for my situation and they were very helpful, thank-you.

Allan campbell

5-Star Rating

2 Oct 2015

Made a call first spoke to James then went ahead online

Samantha porter

5-Star Rating

15 Apr 2015

Extremely helpful and informative on telephone

William Hull

5-Star Rating

23 Dec 2013

Very easy to use service, clear and concise. Helpfull and efficient staff. Exactly the service I wanted.

JENNIFER MARGARET BRADBURY

5-Star Rating

30 Oct 2014

VERY EASY TO BOOK ON LINE ON YOUR WEBSITE THANK YOU. GREAT VALUE FOR MONEY COVER

Mike Henry

5-Star Rating

1 Dec 2016

Clear, easy to understand explanation of the available policies on the website. Premium for Vehicle Replacement + policy very comp…

Carol Knowles

5-Star Rating

18 Dec 2013

Value for money

Neil Ferguson

5-Star Rating

20 Oct 2014

Good policy at a fantastic price. 50% cheaper than price quoted by dealer when buying the car. Quick & easy to complete transa…

Daniel

5-Star Rating

23 Feb 2018

Very easy to understand, never done this before but they helped me massively with the easy step guide. cheap prices and recommend…

rob frankland

5-Star Rating

17 Dec 2013

a++++ very easy

Jackie Healy

5-Star Rating

26 Apr 2014

Very easy to use web site. Excellent rate..

Mr A Bland

5-Star Rating

23 Feb 2015

website easy to navigate, even for an amateur

Andy Goode

5-Star Rating

8 Aug 2015

Great cover at a great price

Linda Perkins

5-Star Rating

24 Sep 2019

Very quick and easy to look at quotes and to purchase this policy. It gives assurance that this is the UK's leading GAP Ins compa…

Liam

5-Star Rating

17 Dec 2013

When my car was written off, I had my Gap payment within a week. Excellent

david parsonage

5-Star Rating

17 Dec 2013

I found this one of the easiest sites to use and with the most explained products and very good price

Carol Kettlewell

5-Star Rating

4 Feb 2014

Simple and easy to arrange - thank you

Margaret Mcgrath

5-Star Rating

18 Dec 2013

Super helpful.

Sharon Kinchin

5-Star Rating

25 Jun 2014

Bought Gap insurance on recommendation from my spouse, his cover was very reasonable and so was mine.

IAN WOOLNOUGH

5-Star Rating

4 Feb 2014

SO FAR A 5. BUT I HAVE NOT HAD TO MAKE A CLAIM YET !