Fast Free Gap Insurance Quotes

Vehicle Cost

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.

Please enter the cost of your vehicle We do not insure vehicles with a value less than £1,000 or greater than £75,000

Term (Years)

The number of years the policy will run. (Please note policies cannot be renewed)

Term (Years) is mandatory

Please confirm you agree to our terms and conditions and privacy policy

GAP Insurance is provided by Direct Gap which is a trading name of Motor Gap Limited, to read Direct Gap's privacy policy please click here.

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 Cost:

Cover limit:

Vehicle Cost

Policy wording

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.

Get cover now

Return to Invoice +

Total Cost:

Cover limit:

Vehicle Cost

Policy wording

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.

Get cover now

Vehicle Replacement +

Total Cost:

Cover limit:

Vehicle Cost

Policy wording

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.

Get cover now