Motorbike GAP Insurance


What is Motorcycle GAP Insurance?

Motorcycle GAP Insurance will protect you in the event your motorbike or scooter is declared a total loss through accident, fire or theft.

Motorcycle Vehicle Replacement Plus covers the difference between your motor insurer’s settlement and the cost of replacing your bike new for old (or with one of the same age as the original bike at the time you purchased it, if not brand new).

If you have finance on the vehicle and the settlement figure is the higher amount at the time, either policy will pay up to that amount instead.

Mind the GAP! Avoid a potential shortfall...

On the road price: £
Anticipated length of ownership (years):

ALA GAP Insurance is recommended and awarded by

Do I need Motorcycle GAP?

With Motorcycle Vehicle Replacement, the answer to this is yes, if you want to:

  • Protect the cost of replacing your vehicle

Can I buy Motorcycle GAP?

  • The motorcycle is under 10 years old and registered in the UK
  • The purchase price of your motorbike does not exceed £50,000
  • The motorcycle must be covered by a comprehensive or third party, fire and theft motor vehicle insurance policy with a motor insurer
  • The motorcycle is not on contract hire or leased
  • Your motorcycle is not a trike or quad bike
  • The Motorcycle or Scooter must have been purchased within the last 365 days from a VAT registered dealer

Motorcycle GAP Insurance Features:

  • Available up to 5 years for vehicles owned outright or on finance
  • We are fully authorised and regulated by the Financial Conduct Authority (FCA) and your policy is covered by the Financial Services Compensation Scheme
  • Pays as standard up to £250 of your Comprehensive Insurance excess
  • Our policies do not have a ‘Market Value Clause’
  • Our policies do not a have a ‘Glass Guide maximum retail value clause’
  • Any policy amendment made FREE of charge
  • This policy is combined with Finance GAP, it will either pay back to the replacement vehicle cost or the outstanding finance, whichever the greater. *see illustration below
  • Policy transfer – pro rata transfer of unused premium if you change your vehicle, with no admin fees
  • Available for motorcycles up to 10 years old, delivered within the last 180 days, or 365 days (if insured under a comprehensive Motor Insurance Policy which includes ‘New for Old’ cover for the first 12 months)
  • Discount available for renewal and additional policies

Motorcycle GAP Example

Motorcycle Vehicle Replacement Plus Example (With Finance)

*Example shows the amount covered by your Comprehensive Vehicle Insurance (based on average depreciation rates and current market value) and the potential shortfall if your vehicle is written off.

Your purchase price: £10,000
Replacement cost at time of claim: £11,500
The amount owed to the finance company at the point of claim: £13,000
Your comprehensive market value insurance payout: £5,000
Our Vehicle Replacement Plus payout: £8,000
Comprehensive Insurance payout + ALA GAP Insurance payout = £13,000
(Leaving you clear of any owed finance on your vehicle)
view an example without finance
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Motorcycle GAP FAQ

No – if any accessories are on the manufacturer price list and are on the original invoice for the vehicle, rather than a separate invoice there is no upper limit to the value of these extras.

With ALA Motorcycle GAP insurance, you can buy cover if you have either fully comprehensive or third party fire and theft motor insurance.