Best GAP Insurance


ALA is the best GAP Insurance Provider in the UK whose policies provide the best coverage, rates and deals online.




Why ALA GAP Insurance policies are better than the rest

Premiums can all look fairly similar, except perhaps for dealers, who all seem determined to rip customers off with excessively high premiums.

It is the standard features of our policies and the additional services we provide that add value to an ALA GAP Insurance policy.



Transfer or amendment of policy

  • Transfer is of unused premium on a pro rata basis and is used as a discount on a new policy
  • We do not charge any admin fees for this, or for any amendments to your policy
  • Other providers will not transfer, or if they do, they will charge you to do so

Market Value Claim Reduction Clause

  • We don’t have one. Whatever your fully comprehensive insurance provider settles at, we cover the difference to the invoice price, replacement cost or outstanding finance (whichever is greater)
  • Most other providers will only pay from the Glasses Guide Retail value of your vehicle, so if your insurer settles for less, something they will often attempt to do – YOU suffer the shortfall

ALA GAP Insurance Example:

A Vehicle Invoice Price £20,000
B Less Insurance Settlement £10,000
C = GAP Claim £10,000
D Market Value - Glass's Retail £12,000
E ALA GAP pays C (A-B) £10,000
  Customer advantage with ALA policy = £2000

Standard Market Value GAP Insurance Example:

A Vehicle Invoice Price £20,000
B Less Insurance Settlement £10,000
C = GAP Claim £10,000
D Market Value - Glass's Retail £12,000
E Market Value GAP pays only A-D £8,000
  Customer disadvantage with Non-ALA policy = £2000


Maximum Value clause

  • We don’t have one. Whatever the vehicle invoice price or replacement cost, our policies will underwrite this value
  • Other providers will cap this to 105-110% of the Glasses Guide Retail price. So if you have added a few extras, it is unlikely they are covered

Claim period

  • We give you 120 days to make a claim – it could easily slip your mind in the circumstances
  • Our competitors will only give you 30 days

UK Registered Underwriters

  • The Financial Conduct Authority (FCA) regulate the insurance industry and to protect the consumer
  • The Financial Services Compensation Scheme (FSCS) is there to ensure your policy is protected against the failure of the insurance underwriter and pay out in the event of a claim
  • We are authorised and regulated and your policy is protected in this manner
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5 Star GAP Insurance Products

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

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 honestjohn.co.uk readers.

Office Opening Hours: 8am to 7pm Monday to Friday, Saturday 9am to 3pm, closed Sunday and Bank Holidays