GAP Products
Comprehensive GAP Insurance You Can Rely On
We offer some of the most comprehensive GAP Insurance products on the market — all at highly competitive rates.
Our cover is available for Cars, Light Commercial Vehicles (LCVs), Motorbikes, Mopeds, and Scooters — we even insure Taxis and Driving School vehicles.
Don’t Get Caught Short
When you buy a vehicle, the last thing you expect is to lose it in an accident, fire, or theft. Unfortunately, when the unexpected happens, most insurers are only required to pay the current market value of your vehicle — which is often much less than what you originally paid.
That’s where GAP Insurance comes in. Our cover protects you against this financial shortfall, ensuring you’re not left out of pocket if your vehicle is declared a total loss.
Protect Against Depreciation
It’s no secret — the moment you drive your vehicle out of the showroom, it begins to lose value. On average, vehicles depreciate by up to 50% within the first three years.
Our GAP products are designed to bridge that gap, providing cover for 24 to 48 months, with claim limits ranging from £10,000 up to £75,000. This ensures you’re fully protected from depreciation and can replace your vehicle without a financial setback.
Comprehensive Cover in the Event of a Write-Off
When your vehicle is written off, the settlement amount you receive from your standard insurer can be thousands of pounds less than your original purchase price.
Our GAP Insurance provides a simple and effective solution, boosting your payout to help you recover the full value of your vehicle. This means you can replace it quickly — without added stress or financial strain.
Flexible GAP Cover
We know flexibility matters. That’s why our GAP products are designed to adapt to you.
Most vehicle makes and electric cars are eligible.
You can transfer your policy easily if you change vehicles.
We keep things straightforward — no complicated paperwork or hidden fees.
Refundable Policies
We believe in fairness and flexibility. If you sell your vehicle or no longer need cover, you’ll receive a pro-rata refund for the unused portion of your policy term.
Alternatively, you can transfer the remaining term to a replacement vehicle and continue your protection without interruption.
Return to Invoice (RTI): Shortfall benefit - We will pay you the difference between your car insurance payout and the invoice price, up to our maximum limit. OR if the amount you owe to settle your car finance early is higher, we'll cover that instead (up to our maximum limit).
The minimum amount we will pay in the event of a Total Loss is £200, regardless of the gap.
Contribution towards your excess – We will contribute up to £500 towards any excess (or deductible) charged by your car insurance company because of your car being written off (declared a total loss).
Even if you receive the minimum amount of £200, we will still contribute towards any excess (or deductible) charged by your car insurance company because of your car being written off.
Shortfall Insurance: will provide the customer with protection against financial loss they may incur as a result of their vehicle being a total write-off due to accident, fire, vandalism, flood or theft. If they purchase Shortfall, we will pay the difference between their Motor Insurer’s Settlement figure and the Glass`s Guide Clean Retail value of their vehicle on the date they purchase the policy, up to a maximum of £25,000. This allows sales to people who may have owned a car for more than 180 days, or bought it privately. Periods of 1-4 years.
We also offer cover for Hire & Reward, Chauffeurs, Driving Schools and Couriers and a specialist Contract Hire and Leasing GAP, with the option to add "Initial Rental Protection".
GAP Insurance Types
Return to Invoice Plus GAP Insurance
Extra protection and added benefits for ultimate peace of mind.
This policy includes everything in the Basic Return to Invoice plan — plus additional cover and higher limits.
Benefits include:
Shortfall Cover: Pays the difference between your insurer’s payout and the invoice or finance settlement (up to our maximum limit).
Minimum Payout: £400 in the event of a total loss.
Excess Contribution: Up to £500 towards your car insurance excess.
Hire Car Contribution: If your vehicle is written off and your insurer doesn’t provide a courtesy car, we’ll pay £20 per day for up to 7 days while your GAP claim is open.
Non-Fault Incident Cover: Receive a £150 cash benefit if you’re involved in a non-fault accident that doesn’t result in a total loss.
Even if you claim for Non-Fault Incident Cover, you’ll still be eligible for your Shortfall, Hire Car, and Excess benefits.
Basic Finance GAP Insurance
Ideal for vehicles purchased on finance.
If your vehicle is written off, we’ll pay the difference between your insurer’s settlement and your finance provider’s early settlement amount (up to our maximum limit).
Benefits include:
Shortfall Cover: Covers the gap between your insurer’s payout and finance settlement.
Minimum Payout: £200 in the event of a total loss.
Excess Contribution: We’ll contribute up to £500 towards any excess charged by your insurer.
Excess benefit applies even if you receive the minimum payout.
Finance GAP Plus Insurance
Comprehensive financial protection with added extras.
This plan includes all the benefits of Basic Finance GAP, plus additional allowances for added convenience.
Benefits include:
Shortfall Cover: Covers the difference between your insurer’s payout and your finance settlement (up to our maximum limit).
Minimum Payout: £400 in the event of a total loss.
Excess Contribution: Up to £500 towards any excess charged by your insurer.
Hire Car Contribution: If your vehicle is written off and no courtesy car is provided, we’ll pay £20 per day for up to 7 days while your claim is open.
Non-Fault Incident Cover: Receive a £150 cash benefit once during your policy period if you’re involved in a non-fault accident that doesn’t result in a total loss.
Even if you use the Non-Fault Incident Cover, you can still claim under your Shortfall, Hire Car, and Excess Cover benefits.
Eligibility
We aim to make our GAP insurance products available to as many people as possible, but there are some circumstances and vehicles that we cannot cover. We ask that you read this section carefully to make sure our policy is right for you.
If you have any questions, please do not hesitate to contact us.
Vehicle Eligibility
You are aged between 18 and 75 at the date of policy purchase and are a permanent resident of the UK and hold a full UK driving licence.
The vehicle has an invoice price / current market value greater than £5,000 but less than £200,000 at policy inception
The vehicle is less than 11 years old at policy inception and has a Gross Vehicle Weight of less than 3.5 tonnes.
The vehicle has less than 150,000 recorded miles at policy inception.
The vehicle will not be used for hire & reward (other than the use as a taxi or driving school), not used for competition and is not owned/leased by a person or business involved in carrying out repairs, sales or servicing of vehicles. For example, a mechanic or a car salesman.
The vehicle must be registered and kept principally in the UK.
When you purchase cover, you will receive a confirmation email enclosing your policy documents. You must follow these instructions within 30 days of purchasing cover, or the policy will be declared null & void.
Main Benefits
Periods of 30 days, 12, 24, 36 or 48 months (60 months on Finance GAP).
Available on Car, LCV, Motorcycle, Moped or Motorhome.
10 months payment option (0% APR available with a subsidy).
Claim limits of £2,500 up to £25,000.
No policy excess.
Transferrable to a replacement vehicle that meets the eligibility criteria.
Covers all brands, including electric vehicles, except Lamborghini, Maserati - please refer to T&C’s.
Significant benefits over our competitors products.
Highly competitive pricing
Wider vehicle eligibility criteria and more flexible cover than competitors.
No Administration Fees on cancellation or Policy transfer.
Can be sold up to 180 days after the customer took delivery of the vehicle.
On-line claims process, which is simple.
On-line policy registration.
Premium financing over 10 months.
Transferable to a replacement vehicle that meets the eligibility criteria.
Covers wide-range of brands except Lamborghini & Maserati, including electric vehicles - please refer T&C’s.
Initial Rental Protection
Additional IRP protection.
The customer has the option to add the Initial Rental Protection to their Contract Hire / Leasing GAP which will pay, on top of the GAP Benefit shown above, an additional amount to cover the initial payment / deposit that they paid on their Contract Hire / Leasing agreement.
This benefit is ONLY available for 1-3 years and must be sold alongside our Contract Hire / Leasing GAP.
How does IRP work?
Typically, on a Contract Hire / Lease agreement, the customer will be required to pay a number of rentals up front (or maybe a monetary figure not linked to a number of payments). This is normally 3 / 6 months initial payments.
In the event of a Total Loss, we will refund the customer the number of rentals up front (or the monetary figure), up to the claim limit selected - £1,000, £2,000 or £3,000 maximum. Please refer to T&C’s.