Guaranteeing the value of your car

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01422 756100

Call 01422 756100 to speak to our advisers, our opening hours are Mon - Fri: 09:00-18:00, Sat: 10:00-16:00

  • We're top rated

    5-Star Rating

    4.9 out of 5 based on 6932 reviews

  • Judith Hole

    Did lots of research but the decision was based on telephone call. I spoke to James who was very helpful and explained everything to me. Fell as though I have had good value for money

    Policy: Return to Invoice +


  • Mrs V Pearce

    I used Gap Insurance as the ford dealer I used no longer sold the product as they are not FSA compliant. I found your product to be the most competitive & explained the different levels of cover.

    Policy: Vehicle Replacement +


  • Lars Christiansen

    Looked at Google spoke to James and it was all done from there. A voice is much better then a blank page.
    Thanks for help James

    Policy: Finance/Contract Hire


> See all our Testimonials

Direct Gap; : Rated 4.95; out of 5 based on 6932 testimonials

Monthly Payments Available

  • Available on Gap Insurance Policies
  • Pay in 12 monthly instalments

Call our payments team on
01422 756100 to find out more

Volvo Gap Insurance By Direct Gap

Buying a new or used Volvo? Direct Gap Insurance specialises in providing the best gap insurance cover at prices up to 75% cheaper than the dealers quotation.

Worried the cover is not the same as the dealers or manufacturers offering?

Don't worry. If your car dealer gave you a price for your comprehensive car insurance policy you would check with your current insurer the price of equivalent cover. Why should gap insurance be any different? It shouldn't!

There will be no material difference between any policy offered by us and a motor dealers policy. The only major difference will be the price. We speak to customers everyday where they have been quoted £500+ by a Volvo dealer only to find the same gap insurance policy with us for less than half the price with the same insurance provider.

Why Direct Gap Insurance?

Firstly we are the largest independent provider of Gap Insurance products in the UK today. We have no affiliation to motor manufacturers or motor dealers. When you buy a policy from us we supply you directly, saving you the cost of middlemen and the sales commission of the dealership. With the same levels of cover and unrivalled service.

Most importantly we only ever deal with major insurers, they are fully FSA registered and are covered by the Financial Services compensation scheme.

Also you are purchasing your cover from an independent provider who will give you the very best advice as to how to protect your vehicle. Dealers generally only try to sell one policy which provides cover for a fixed term and has a one size fits all approach. This is not the case with our products. We have a wide range of tailor made products to suit you and your new vehicle purchase with varied levels of cover available.

Why is the Dealer so Much More Expensive than you?

There are two very straight forward reasons why the motor dealers are so much more expensive than Direct Gap Insurance. All insurance policies incur IPT (Insurance Premium Tax). This is the amount that is paid to the government on any insurance policy that you buy. This tax is levied on any insurance policy you purchase including home, motor and travel. The dealer is taxed at a rate of 20% on the sale of a gap insurance policy, where independent agents such as ourselves are charged at a lower rate of 6%. This immediately gives a saving of 14%. Secondly there is the level of income or sales commission that the dealer makes from selling you insurance products. Typically in a motor dealers operation, the second biggest profit centre after selling the vehicle is the income derived from insurance sales. Look at the figures the dealers price is typically £300 more than ours for the same cover levels. Compare our policy documents against theirs for confirmation.

If you find any significant difference between our policy and the manufacturers we guarantee to give you a policy for free!

Our Volvo Gap Insurance Products

Please see details of the cover we provide to cover you and your new Volvo in the event of a total loss:

Finance / Lease / Contract Hire Gap Insurance

Pays the difference between the vehicle valuation on your Volvo at the point of total loss and the cost of settling your Lease, Contract Hire or Hire Purchase agreement.

Return to Invoice Gap Insurance

Pays the difference between the vehicle valuation on your Volvo at the point of total loss and the original purchase invoice price of the vehicle.

Vehicle Replacement Insurance

Pays the difference between the vehicle valuation on your Volvo at the point of loss and the cost of replacing the vehicle with a new vehicle of the same specification or of similar age if the vehicle was not new when purchased if your vehicle is written off.

All our policies have the additional benefits with policy terms of up to five years on new and used Volvo vehicles. There are no mileage restrictions. Combine this with the fact all policies provide a £250 excess cover in the event of total loss. You can even transfer your policy if you decide to change the vehicle early.

Most vehicles can be covered provided the cover is purchased within 180 days of ownership of the vehicle. Claim limits vary between £5,000 & £25,000.

If in doubt call one of our advisors now on 0800 012 2400.

We cover all Volvo vehicles:

We supply gap insurance for all the following makes of new and used Volvo vehicles:

Volvo XC60 , Volvo XC 70 , Volvo XC90, Volvo V50, Volvo V60, Volvo V70, Volvo S40, Volvo S60, Volvo S80, Volvo C30, Volvo C70. .

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