GAP Insurance

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To protect your vehicle

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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

“I emailed questions to and got a most comprehensive and prompt reply from Katie Marlow - I was very impressed with the detailed response...................We have just had a one year old car written off - nothing like it has happened in 50 years of driving cars. It made us think that anything is possible and what would happen if it was just over one year old. We have had this cover offered by garages in the past when buying new cars but it has always seemed so expensive. Your cover seemed much simpler to understand and so much less costly.....................Very easy to complete all required information”

Rodney C, Nantwich

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