The price of your Vehicle, as confirmed in the sales invoice which includes factory fitted accessories and dealer fitted options up to £1,500 and paintwork protection systems up to £250.      

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

Gemma Waddington

5-Star Rating

28 Sep 2015

Quick easy service online that worked unlike other companies.

zoe baker

5-Star Rating

24 May 2016

Quick and easy to use, with the added bonus of being 5 times cheaper than the dealers quotes.

Casey Lauren

5-Star Rating

28 Jun 2016

Insured within 5 minutes and incredibly competitive price compared to the finance company's own offering - Highly recommended!

Mike Stephenson

5-Star Rating

18 Sep 2016

Dealer quote was over £400 against Direct Gap at £109, bit of a no brainer! Very user friendly web site.

Alwyn Edwards

5-Star Rating

9 Oct 2019

easy to use and great price, recommended by son in law who has 2nd policy with you as he had to use first one and could not fault…

Penelope Bell

5-Star Rating

28 Dec 2019

Very smooth process, and good value. As I always tell my friends to get GAP Insurance, I better take it out in my own new car!

CHRIS GEE

5-Star Rating

20 Oct 2017

Easy to complete the transaction, reasonable price and covers a lease car that is just over one year old. Covers to the end of a t…

K P Selman

5-Star Rating

7 Dec 2018

Excellent offer and easy to navigate and understand which insurance is needed.

DANIELLE

5-Star Rating

3 Mar 2016

So easy to use, and about the third of the price I was quoted from the car retailer! Also I received friendly customer service on…

C WIlson

5-Star Rating

3 Jan 2018

Spoke to James on the phone and he ran through absolutely everything with me. Have taken out the free 14 day policy for now as not…

GEMMA DOWNEY

5-Star Rating

12 Nov 2014

PARTNER HAD A POLICY WITH YOU IN 2006, WHEN HIS CAR WAS INBVOLVED IN A MAJOR INCIDENT YOU WERE PROMPT AND PROFESSIONAL AND WORKED…

jason hodds

5-Star Rating

12 Aug 2015

used before very happy

Jane Evans

5-Star Rating

18 Dec 2013

Best Value

Louise J Morton

5-Star Rating

9 May 2014

Easy as pie to get GAP insurance at more than £200 less than the dealer was asking for

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

David Lanning

5-Star Rating

23 Dec 2013

Best web site found.

Naomi Gardner

5-Star Rating

27 Jul 2015

:-D

Amelia Smith

5-Star Rating

30 Mar 2015

Good price, a third of that the dealer quoted

mr d j nicholson

5-Star Rating

24 Oct 2014

quick and easy system helpful with information when phoned, friendly service

Michael Giles

5-Star Rating

18 Dec 2013

Your prices are very good and your web site very easy to use

Sophia Starr

5-Star Rating

18 Dec 2013

Choice of polices and flexibility of cover. Helpful person on phone when rang up to make some queries before buying, easy website…

TERENCE MCGEOWN

5-Star Rating

8 Sep 2014

VERY CLEAR INFORMATION

Gillian Lyall

0-Star Rating

23 Dec 2013

Price is very competitive and documents understandable

Patricia Axon

4-Star Rating

21 May 2018

Seems quite simple