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 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).
    £ 169
    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 :
    £ 169
    Pay by installments :
    £ 203.15
    Payment schedule : Starting payment of £ 24.82 and 9 monthly payments of £ 19.82
  • 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 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).
    £ 179
    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 :
    £ 179
    Pay by installments :
    £ 214.88
    Payment schedule : Starting payment of £ 25.99 and 9 monthly payments of £ 20.99
  • 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 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).
    £ 249
    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 :
    £ 249
    Pay by installments :
    £ 296.95
    Payment schedule : Starting payment of £ 34.20 and 9 monthly payments of £ 29.20

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).
£ 169
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?
Who is the insurer of this 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
£ 169

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).
£ 179
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?
Who is the insurer of this 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
£ 179

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).
£ 249
Cover limit:
£ Vehicle Cost

Policy information

Period of Cover Available 1-5 Years
Maximum Claim Limit See Cover Limit
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 £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?
Who is the insurer of this 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
£ 249

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

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…

Roger Gaskell 9 Feb 2022

55 star rating

Very easy to navigate the website and excellent customer service communication. :-)

Kevin Carter 27 Oct 2022

55 star rating

Best quote on market and completed in less than a minute. WARNING don't pay dealer fees again use DIRECT GAP

Michael Thompson 28 May 2022

55 star rating

Phoned first and had a very good chat with consultant who explained everything I needed to know. Hopefully will never need it...bu…

Dave Wilkinson 6 Sep 2023

55 star rating

Very straight-forward and a compoetitive price.

Nicholas Anastasiou 20 Jun 2022

55 star rating

Excellent service as always

Noel Egbury 22 Jun 2023

55 star rating

Very quick to obtain a quote and much, much cheaper than the main dealer price offered at the point of sale.

Christine Davies 14 Sep 2023

55 star rating

Straightforward application process. Competitive premium rates. Have dealt with company before.

James McCaffrey 5 Mar 2022

55 star rating

Much cheaper than the gap insurance offered by the dealership.

Dragos Anton 9 Nov 2022

55 star rating

Great company! Will definitely recommend to family and friends!

iain riach 24 Mar 2022

55 star rating

Third policy with Direct Gap. Always competitive and easy to manage online.

Darren yates 1 Apr 2022

55 star rating

Very easy to do only took 5 mins to set up and the offer direct debit if you don't want to do it in one hit.. Great !

Robert Illingworth 29 Jun 2022

55 star rating

Easy to do and is very comprehensive.

Anne Myers 15 Dec 2021

55 star rating

This is the 4th policy that we have bought for different family cars in the last few years. The purchase process was easy, the ins…

Andrew Garner 13 May 2022

55 star rating

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

Beverley Williams 10 Nov 2022

55 star rating

Competitive prices + straightforward to purchase

Paul Cross 26 Apr 2022

55 star rating

Quick, easy, and very competitive.

Gary Oakley 13 Aug 2022

55 star rating

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

Mrs G Winwright 1 Jun 2018

55 star rating

Straight forward to complete online,excellent value for money, I hope I don't need to use the policy but it's good to have the pie…

michael clough 18 Dec 2013

55 star rating

chose Direct Gap due to a personal recommendation and reviews

Jaroslav Kratochvil 23 Dec 2013

55 star rating

Superb service,all of it very easy.

Joyce Ford 18 Dec 2013

55 star rating

New Car. Recommended to you by a friend.

Ann Stone 4 Sep 2020

55 star rating

Easy process, well prompted by the site. One of the few where it seemed possible to get cover before the vehicle registration was…

Rick Bury 8 Jan 2019

55 star rating

Very easy to use and quick Also like you can transfer to another car (could not do this with old policy)