GAP Insurance - What is it?

With car values depreciating as soon as you drive them off the forecourt and the constant risk of accidents, it is important that you protect your investment.

Read our article to find out what GAP insurance is and why to purchase online

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ALA have been named a Highly Approved Trader by motoring expert and consumer rights champion Honest John.

To find out more about our latest award please click here

Stop Press: What the Which? report doesn’t tell you.

GAP Insurance Video

Whilst being a hugely benefitial
and informative article the
recent Which? report on GAP
Insurance does not provide
sufficient details on the essential
factors that should be considered when purchasing a GAP Policy. Find out more

Why it pays to shop around for the best GAP Insurance deal

GAP Insurance Video

'Rip off Britain' - a BBC consumer advice programme ran an item exposing how dealers are ripping off consumers with exorbitant premiums for GAP policies.

Click the video on the left to learn more or see our other videos

6 points to ensure you get the ‘best value’ GAP Insurance policy

Read our top tips guide to ensure you getting the most suitable gap policy. Some policies aren’t as water tight as they should be and it pays to ask the right questions.

Open our guide

Why ALA GAP Insurance policies are better than the rest

GAP Insurance Video

Find out more about why
ALA sell the best GAP policies

MD Simon England explains why you should purchase your GAP policy from ALA Brokers.

Free transfer and cheapest prices guaranteed!

Save Money with ALA Insurance

If you are able to find cheaper GAP Insurance elsewhere for a comparable product, we guarantee to beat the price by 20% of the difference!

Protect your investment today with ALA.

Get a quote by manufacturer, make and model

Vehicle Manufacturers

We can give you a GAP insurance quote based on the exact make and model of your car. Get quotes on cars available from BMW, Audi, Volkswagen, Mercedes and Jaguar. Visit our manufacturer page for a complete list.

ALA Warranty is our latest product, for further information click here


Quote Me now for ALA Warranty

Lowest Prices Guaranteed...

Find a comparable GAP
premium online for
less, and we will
match the price
and beat it by 20%
of the difference!

Quote Me now for Gap Insurance

Read real life experiences from customers who have made a claim with ALA

“From start to finish the whole process of claiming on the GAP insurance policy with ALA was simple and straightforward”Read More

I Tomlinson

ALA GAP Insurance rates:

Based on 3512 reviews
4.7 out of 5

ALA GAP Insurance
In association with...

In association with In association with JCB
In association with Auto Trader In association with Honest John

5 Star GAP Insurance Products
Independently reviewed as a 5 star GAP Insurance policy
by Defaqto and winner of the H.A.T. award for excellent
customer service as voted by readers

Named Highly Approved Trader by Honest John More information on Defaqto Star Ratings

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GAP Insurance

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At ALA, we understand that buying a GAP policy can often be complex, and we pride ourselves on giving open and honest feedback to our existing and potential customers to help them fully understand the options available.

We also work in partnership with insurance companies to agree insurance estimates should your car be written off or stolen, so we can guarantee that we pay out the total shortfall, ensuring you are not left out of pocket.

If you have any particular questions, we are always happy to help.

Got a question to ask?

“Is the figure quoted a one off payment or an annual premium?”

“I have bought a car for my daughter and plan to pass ownership to her at a later date, will the GAP policy remain valid?

“Some competitors of ALA will defer the start of a vehicle replacement policy for the first year to coincide with my comprehensive insurer's offer of a 'new for old' replacement for the first year - why doesn't ALA?

“I own the car and have it insured in my name but my husband is a named driver. Is he covered?

Read all our FAQ’s

Is it Worth It?

GAP Insurance will protect you if you write off your vehicle. It will ensure that you are not left out of pocket if you have a total insurance loss by covering any shortfall between your insurance pay out and the amount outstanding on the finance agreement.

Over half a million cars are stolen each year, most of these are written off or vandalised. Add to that the large number of accidents each year and you could be the next person to suffer a vehicle write off. A GAP policy will cover you against financial loss should your car be stolen and/or written off.

Most of us think our Comprehensive Motor Insurance covers us if our vehicle is written off... THINK AGAIN!

If your vehicle is written off your motor insurer will only pay the current market value for your vehicle!

So what happens if the current market value is not enough to replace your vehicle or pay off your finance or contract hire agreement?

Simple, there is a financial GAP that you will have to pay out of your own pocket:

Why should I purchase GAP Insurance?

  • UK Car Crime is a third of all crime
  • A vehicle is stolen every minute, 33% of these are never recovered
  • Cars depreciate by up to 77% over a 3 year period
  • Motor insurance settlements are always less than the price you pay for your car
  • When a write off occurs you lose out and have to raise the funds for any short fall
  • Write offs occur all too often; protect yourself

Our Latest Testimonial

“Straight forward "no fuss" company! Normal landline number, got to speak to staff member (Katie) very quickly. And most importantly, you were the cheapest price out there........I would like to thank Katie who was very professional and did not use any "cheap" selling tactics. Very honest, pleasant and polite - 10/10”

Sarmed S, Nottingham

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