Compare your Gap insurance

Compare the UK’s leading Gap insurance providers to help you find a great deal.

Protect your new car investment in the event of a right-off with Gap insurance.

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Compare some of the UK’s top Gap insurance providers to help you get a good deal.

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Frequent Questions

We do appreciate that questions about comparing Gap insurance prices are a little too boring to be asked, but they can be thought.

So we’ve compiled the following simple answers to questions frequently thought, about finding cheap quotes when comparing Gap insurance.

This should not be constructed as advice and is guidance only.

What is Gap insurance?

Having your car stolen or written-off can be worrying enough without having to grapple with your insurer over your claim.

Worse still, with insurers usually paying out the current market value of your vehicle – not the price you paid for it – you can find yourself out of pocket, especially if your car was brand new.

Guaranteed Asset Protection, more commonly called Gap insurance, is designed to work alongside comprehensive car insurance to help you cover the shortfall.

There are many different types of Gap insurance, ranging from products that help you get back what you paid for your car, to those that help you pay off any outstanding loans on the vehicle.

What are the different types of Gap insurance?

The Gap insurance market can be complex, with different providers offering their own unique products. Some of the most common policies are listed below.

  • Finance Gap insurance – One of the most basic products on the market, finance Gap insurance helps you pay off any outstanding loans on your car if it’s written-off.
  • Return to invoice Gap insurance – Return to invoice Gap insurance tops up the claims payout from your car insurer to the amount you bought the vehicle for. Many providers offer finance Gap insurance as part of this product, to also cover the cost of borrowing.

Is Gap insurance worth it?

Imagine you paid £10,000 for your car and three years later it’s worth just over half that figure, perhaps £6,000.

Should your car be stolen or damaged beyond repair, then your insurer will only pay out that market valuation of £6,000 – leaving you to find the rest when it comes to buying a more costly replacement.

If you had taken out a Gap policy when you purchased the car, then it would pay out the shortfall between the market value and the original value, in this case, £4,000.

That would arm you with £10,000 in total with which to find a replacement car, or pay off what might be remaining on any loan or finance deal.

Do I need Gap insurance?

Ultimately, the worth of Gap insurance depends on how likely you are to suffer a write-off. Vehicle information firm HPI has claimed that nearly half a million vehicles are written off each year in the UK.

But before taking out a Gap policy, it’s worth considering a few factors that may influence your decision.

The price of the premium – on top of your regular insurance cover and any possible monthly loan or leasing fees – is something to weigh up. This will certainly be the case if you’re happy to replace your three-year-old write-off with a car of roughly similar age and condition.

However, if depreciation is a concern, if there is a finance deal left to settle, or if you simply want to make sure you go back to driving a new car, then Gap insurance could be the answer.

Check to see exactly what’s covered, what are the exclusions, and how any market value at the outset of the policy is calculated.

Know whether or not the policy can be transferred if you sell your car and buy another, and whether or not you’re able to cancel the policy.

In the unfortunate event of suffering a write-off, then contact both your main car insurer and your Gap provider as soon as possible.

Your Gap insurer will then normally ask your permission to contact your main car insurer in order to reach an agreement on what your car was worth when it was declared a total loss.