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.

    Total Cost :
    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) and arrangment fees.
    £ 119
    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
    Buy now price :
    £ 119
    Pay by installments :
    £ 144.53
    Payment schedule : Starting payment of £ 18.95 and 9 monthly payments of £ 13.95
  • 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.

    Total Cost :
    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) and arrangment fees.
    £ 189
    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
    Buy now price :
    £ 189
    Pay by installments :
    £ 226.60
    Payment schedule : Starting payment of £ 27.16 and 9 monthly payments of £ 22.16
  • 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.

    Total Cost :
    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) and arrangment fees.
    £ 215
    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
    Buy now price :
    £ 215
    Pay by installments :
    £ 257.09
    Payment schedule : Starting payment of £ 30.21 and 9 monthly payments of £ 25.21

Finance/Contract Hire

Total Cost: 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) and arrangment fees.
£ 119
Cover limit:
£ Vehicle Cost

Policy information

Period of Cover Available 1-5 Years
Maximum Claim Limit See Cover Limit
Maximum Vehicle Purchase Price £100,000
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 £1,000 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 is Contract Hire Gap Insurance?
How does Contract Hire, HP and PCP Gap Insurance work?
Why do I need Contract Hire or PCP Gap Insurance?
What happens if I don't have Contract Hire Gap Insurance and my vehicle is written off?
Do I need Gap Insurance on a leased car?
What is total loss?
What happens when my car has been declared a total loss?
Does Contract Hire Gap Insurance cover me if I’m at fault?
How do I make a claim on my policy?
Which is the best Gap Insurance for PCP?
Are Contract Hire Vehicles covered by this policy?
How do I get a quote for Contract Hire Gap Insurance?
Can I cancel my Contract Hire/PCP Gap Insurance?
How long can I have owned the vehicle for and still buy the policy?
Whose name should the policy be in?
Does Contract Hire Gap Insurance cover my motor policy excess?
Am I covered for theft of vehicle with keys?
Why would this policy not pay out?
What is the vehicle purchase price that I should use to calculate the cost of the policy?
What is the claim limit on Finance Gap Insurance?
Is Deposit Protection available?
Can anyone drive my vehicle and still be covered by Lease, HP or PCP Gap Insurance?
Am I covered to drive my vehicle abroad?
How can I pay for my Contract Hire Gap Insurance?
Why is Direct Gap so much cheaper than motor dealers quote?
When and how do I receive my policy documents?
How old can my car be to buy Finance Gap Insurance?
Get cover now
£ 119

Return to Invoice +

Total Cost: 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) and arrangment fees.
£ 189
Cover limit:
£ Vehicle Cost

Policy information

Period of Cover Available 1-5 Years
Maximum Claim Limit See Cover Limit
Maximum Vehicle Purchase Price £100,000
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 £1,000 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 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?
I have new-for-old cover for 12 months on my motor insurance. Can I defer my Return to Invoice Gap Insurance policy?
Can this policy be transferred to a replacement vehicle?
Does RTI Gap Insurance cover me if I’m at fault?
Do I need RTI Gap Insurance as well as motor insurance?
What is total loss?
How do I claim on my Return to Invoice Gap Insurance?
How do I get a Return to Invoice Gap Insurance quote?
Can I cancel my RTI Gap Insurance?
How long can I have owned the vehicle for and still buy the policy?
Whose name should the policy be in?
Does RTI Gap Insurance cover my motor policy excess?
Does RTI Gap Insurance cover me for theft of vehicle with keys?
Why would this policy not pay out?
What is the vehicle purchase price that I should use to calculate the cost of the policy?
What is the claim limit?
Can anyone drive my vehicle and still be covered by my RTI Gap Insurance?
Am I covered to drive my vehicle abroad?
How do I pay for my Return to Invoice Gap Insurance?
Is this a one off or annual payment?
Why is Direct Gap so much cheaper than motor dealers quote?
When and how do I receive my policy documents?
How old can my car be to buy Return to Invoice Gap Insurance?
Get cover now
£ 189

Vehicle Replacement +

Total Cost: 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) and arrangment fees.
£ 215
Cover limit:
£ Vehicle Cost

Policy information

Period of Cover Available 1-5 Years
Maximum Claim Limit See Cover Limit
Maximum Vehicle Purchase Price £100,000
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 £1,000 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 is Vehicle Replacement Gap Insurance?
How does Vehicle Replacement Gap Insurance work?
Do I need Vehicle Replacement Gap Insurance?
What is total loss?
Does total loss gap insurance cover me if I’m at fault?
Can I get Vehicle Replacement Gap Insurance if I bought my car on finance?
Does Vehicle Replacement Gap Insurance settle my outstanding finance?
Do I still have to make payments on a car that is written off?
Is Vehicle Replacement Gap Insurance only for new cars?
How long can I have owned the vehicle and still buy the policy?
I have new-for-old cover for 12 months on my motor insurance; can I defer my vehicle replacement gap policy?
How can I pay?
Why is Direct Gap so much cheaper than a motor dealer’s quote?
When can I claim on my Vehicle Replacement Gap Insurance?
What is the claim limit?
Why would this policy not pay out?
What is the vehicle purchase price that I should use to calculate the cost of the policy?
When and how do I receive my policy documents?
Whose name should the policy be in?
Does Vehicle Replacement Gap Insurance cover my motor policy excess?
Can my vehicle replacement gap policy be transferred to another vehicle?
Am I covered for theft of vehicle with keys?
Can anyone drive my car and still be covered by Vehicle Replacement Gap Insurance?
Am I covered to drive my vehicle abroad?
Do I get a courtesy car with vehicle replacement gap insurance?
Can I cancel my vehicle replacement gap cover?
How do I get a total loss gap insurance quote?
How old can my car be to buy Vehicle Replacement Insurance?
Get cover now
£ 215

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 £75,000 on most policies
  • 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

See what our customers are saying about us

Evonne Rogers 7 Aug 2022

55 star rating

Excellent service, easy to navigate website. Had the exact product I was looking for.

Andy 11 Jun 2022

55 star rating

Great price, easy to set up. Customer service, very helpful

darren birch 8 Jan 2024

55 star rating

used before and experienced great service, thats why im back

Scott Selbie 8 Sep 2023

55 star rating

Very competitively priced and easy to complete website I would recommend to others

Susan Smith 13 Mar 2023

55 star rating

Much cheaper than other quotes. Easy to do. I phoned to talk to an adviser as never needed this type of insurance before. No ho…

Paul Cross 26 Apr 2022

55 star rating

Quick, easy, and very competitive.

Michael Jackson 25 Apr 2022

55 star rating

The customer service and the impartial advice was excellent.

Dragos Anton 9 Nov 2022

55 star rating

Great company! Will definitely recommend to family and friends!

Richard. Alan. Smith 16 Jul 2023

55 star rating

Second time used for gap insurance, no hassle just straight forward application process and a sensible cost. Would highly recommen…

clive williams 14 Jul 2023

55 star rating

As always great first class customer service. Have always used and will continue to do so. !! Thanks

David Pibworth 3 Feb 2024

55 star rating

Easy to complete and far cheaper than quoted by the main dealer

Surjit Pangli 15 Mar 2023

55 star rating

Easy to use site. Considerably less than dealer's quote.

Geoffrey Hayes 10 Nov 2022

55 star rating

Easy to purchase very helpful and friendly telephone conversation, very reassuring

MARK HURDLEY 28 Oct 2023

55 star rating

Brilliant, a lot cheaper than getting it through the dealer and so easy to set up, will tell my family to use you in the future.

natasha badger 28 Oct 2023

55 star rating

Easy to use and half the cost the dealership wanted for a gap policy

Gary Oakley 13 Aug 2022

55 star rating

Professionally dealt with, straight forward to set up - good piece of mind, for fair value.

Nicholas Anastasiou 20 Jun 2022

55 star rating

Excellent service as always

Andrew Garner 13 May 2022

55 star rating

Easy to set up and a great deal cheaper than dealer, also a uk based company!

Keith Bishop 13 Sep 2020

55 star rating

A very easy process. We have used Direct Gap several times now & have found them very helpful if we had any questions about the po…

Brian Kelly 18 Dec 2013

55 star rating

Excellent policy and easy quote system very easy to purchase on line very happy indeed Thanks indeed

John Gibson 18 Dec 2013

55 star rating

A lot cheaper than a similar product offered by the car dealer

R Collister 23 Dec 2013

55 star rating

Simply because of value for money, and a professional service.

Mandy Watson 1 Mar 2021

55 star rating

Most competitive price on the market and website very easy to use - thank you.

Chris Allen 16 Nov 2018

44 star rating

Great value for unlimited claim amount. You provided the cheapest quote I received.