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If your vehicle is stolen or written off in an accident, you may be surprised how much money you lose when you get your settlement. That’s because most insurers only pay the current market value of your vehicle. This can leave you with a shortfall of thousands of pounds compared the cost of the vehicle when you bought it. This is why GAP insurance is so popular.

How does GAP work?

  • GAP protects this depreciation to your vehicle’s value over time
  • If you suffer a loss, GAP puts you back to the same financial level where you were originally
  • GAP covers you if you’ve leased your vehicle, as well as if you’ve bought your vehicle
  • GAP covers all kinds of vehicles – from cars and vans to bikes and motorhomes

Types of GAP insurance

There are three main types of cover. Click to find out more.

Return to Invoice

Just as the name implies, this type of GAP insurance policy will cover the difference between the insurers settlement and what you originally paid for your vehicle, as long as you are able to provide the invoice confirming the value.*

Finance & Contract Hire

This is a great option if you’ve taken out a contract hire or finance agreement. Not many vehicle owners realise that the insurer often pays the finance provider direct, not you, when they settle a total loss.

Agreed Value GAP Insurance

This option is suitable if you have purchased your vehicle from a private seller or a vehicle dealer, or even if you got you vehicle on finance and managed to get a one-off deal on the purchase price.

Return to Invoice - find out more

Say for example you own a six-year old vehicle that’s worth £6,000. You take out a GAP insurance policy today and then in two years’ time, when your vehicle is only worth £3,500, it gets written off. Your GAP insurance will cover you for the £2,500 difference. You now have £6,000 to buy your next vehicle with.

*Invoice needs to be from a VAT registered motor dealer


Finance or Contract - find out more

This can leave you without a van and a shortfall or debt. Say for example you own a six-year old vehicle that’s worth £6,000. You take out a GAP insurance policy today and then in two years’ time, when your vehicle is only worth £3,500, it gets written off. You could have a debt still of several thousand, but Your GAP insurance will pay the balance leaving you debt free.

Agreed Value - find out more

With Agreed Value GAP Insurance, you won’t be out of pocket if the insurance payout is lower than the actual Glasses Guide retail price of your vehicle at the time you took out the policy, all of which will help to give you peace of mind that you will receive the same value to afford a suitable replacement.

More benefits of GAP

  • If you’ve bought your vehicle within the last 15 months, we can backdate the valuation of your vehicle 
  • GAP pays out within 14 days of your insurance payout
  • GAP cover can freeze your vehicle’s value for three years
  • You’re covered for one change of vehicle during the term of the policy

Don’t be like Dave:

Dave isn't a customer of ours. He bought a new van two years ago for £20,000. He didn’t take out GAP insurance but this year he had an accident that wasn’t his fault. His insurance company have just paid out the market value of the van - £12,000. Dave’s now got to find an extra £8,000 in order to buy the same type of van he had originally. Don’t be like Dave – get covered!

Want a quote? Request a call back

Call us for more information

0333 222 4526

If you still have any questions you can contact a member of our knowledgeable team to find out if GAP insurance is right for you. We’ll find you the most competitive quote to make sure your vehicle, your investment and yourself are all protected in the event of an accident.

Our opening hours are:

  • Monday to Thursday - 9:00 to 18:00
  • Friday - 9:00 to 17:30
  • Saturday and Sunday - Closed