Length of ownership (years):
You’d be short!
would be covered by your
Comprehensive Car Insurance
Why choose us?
These statistics are from research we conducted with YouGov in December 2024
of UK drivers have written off a car
of Brits can’t afford a replacement vehicle with their car insurance settlement alone
of Brits say they would struggle financially if they wrote off a car in their current situation
Like all forms of insurance, there is a variety of options available, so it’s well worth knowing which is best suited to your exact needs. Don’t rush into agreeing any cover without knowing exactly what you’re going to need. Whilst you can’t have more than one GAP policy on one vehicle, a number of suppliers provide “combined” cover which gives you better coverage and the security that you desire.
Also known as Return to Invoice, Back to Invoice GAP insurance will cover the difference between your car insurance provider’s settlement and the original invoice price or outstanding car finance, whichever is higher at the time of the claim. This policy is perfect for vehicles up to 10 years of age.
Vehicle Replacement GAP insurance will bridge the gap following a write off between your comprehensive car insurer’s settlement and the cost of replacing the vehicle as it was when you first bought it in terms of make, model, mileage and age. If you have a finance agreement, we will pay up to the outstanding balance if this is higher at the time of claim. For this policy, the vehicle needs to be less than 7 years old.
If you lease your car, a Contract Hire GAP Insurance policy will cover up to 100% of the outstanding rental payments and any shortfall in the settlement provided by your car insurer. Cover is available for up to 365 days after delivery of the vehicle. For an additional fee, you can also cover the deposit you paid at the beginning of the agreement.
Ideal for older cars or those bought privately, Agreed Value GAP Insurance makes up the difference between what your car insurer pays out for a total loss and the retail value of your car at the time your policy was purchased (determined by the Glass’s Guide). The vehicle must be under 20 years of age.
If you want to insure your company car, van or fleet, you can choose Commercial GAP insurance for leased and financed vehicles, as well as those bought outright. Available Commercial GAP insurance options include Commercial back to Invoice, Commercial Vehicle Replacement and Commercial Contract Hire.
This type of GAP insurance is for vehicles like taxis, driving instructor vehicles and standard delivery vehicles (such as flower deliveries, food deliveries, house removals and clearances). Hire & Reward GAP insurance will cover the shortfall between what you paid for your vehicle and what the comprehensive car insurer will pay out after a total loss. This policy is underwritten by the A-grade underwriter Hiscox and offers a generous excess cover, contribution towards car hire (should you need it) and covers vehicles up to £50,000.
Car Excess Insurance
Short Term Motor Insurance
Scratch and Dent Insurance
Tyre & Alloy Wheel Insurance
Cycle Insurance
Pothole Insurance
