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. You should exclude all deposit allowances, discounts, rebates, concessions, cashbacks, incentives and contributions, new vehicle registration fees, road fund licence fee, number plates, warranty costs, insurance premiums, fuel and other extras, arrears or negative equity.      

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 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

5-Star Rating

17 Dec 2020

Very helpful when I called to discuss policy options & get a better understanding of the different policies

5-Star Rating

17 Apr 2020

Easy to apply for and competitive rates. Great that you can defer start date as ins co usually covers new replacement in fist year…

5-Star Rating

17 Sep 2014

Straight forward to navigate, perfect policy for my needs.

5-Star Rating

16 Nov 2019

Called spoke to customer service explained everything extremely well.

5-Star Rating

23 Aug 2019

Win, win, win. Great cover at a good price, and an easy process on-line.

5-Star Rating

7 Jan 2020

Easy to purchase online. Have unfortunately actually had to claim on this insurance recently and it was pretty quick to sort out,…

5-Star Rating

28 Mar 2020

Super quick and easy to get a quote (by far the cheapest I found online) and even easier to process.

5-Star Rating

14 Jun 2014

Easy site to use and reasonable price.

4-Star Rating

7 Apr 2014

Easy to use website - clear details on what is/is not covered. Concise choices for the type of cover you may need. Recommended by…

5-Star Rating

27 Aug 2014

Great website and great service

5-Star Rating

3 Mar 2014

Easy, efficient application.

5-Star Rating

23 Dec 2013

I have just bought a car and the garage GAP cover is too high

5-Star Rating

22 Oct 2014

Very easy to set up.

5-Star Rating

23 Dec 2013

Compared quotes online and your product and pricing was the best I could find.

5-Star Rating

30 Nov 2014

Easy and helpful to use . Good value.

5-Star Rating

28 Mar 2014

easy to use website and competative price

5-Star Rating

26 Feb 2014

No complaints!

5-Star Rating

2 May 2014

FIRST CLASS

5-Star Rating

1 Apr 2015

Second policy for me keep it up..

5-Star Rating

1 Jul 2014

nice easy website and clear, good price compared to dealers £129 compared to £399 from the dealers. thanks

5-Star Rating

4 Feb 2014

Web site easy to use , can not say how good you are until I need you.

5-Star Rating

9 May 2014

easy to use and competitive

5-Star Rating

23 Dec 2013

Have been looking at several sites for gap insurance and i found Direct Gap the most informative and good on pricing. Will be look…

5-Star Rating

9 Dec 2015

I was able to answer all my questions online without having to wait on the phone for ages!