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Cover the difference between your motor insurance payment and the FULL value of your car

Gap Insurance for new and used cars

Avoid taking any chances with our GAP Cover Insurance with costs starting from £136 for 3 years cover*.

* Price is based on a 3 year Return To Invoice policy for a Ford Focus 1.6 TDCI with a £5,000 claim limit.

  • Vehicle Replacement

    Vehicle Replacement Gap Cover Insurance

    Available for new cars under 3 months old and with less than 1,000 recorded miles. Pays, in the event your car is stolen and not recovered or written off in an accident causing your motor insurer to make a total loss payment, the difference between what the motor insurer pays and the cost of a replacement vehicle of the same make, model and specification*. This is even if manufacturer's prices have increased since your original car was purchased. Cover is available for 1, 2, 3 or 4 year periods.

    Find out more
  • Return to Invoice

    Return to Invoice Gap Cover Insurance

    Available for new or used cars under 10 years old and with less than 120,000 recorded miles that have been bought from a dealer within the last 3 months. Pays, in the event your car is stolen and not recovered or written off in an accident causing your motor insurer to make a “total loss” payment, the difference between what the motor insurer pays and the original invoice price you paid for your car. Cover is available for 1, 2, 3 or 4 year periods.

    Find out more
  • Return to Value

    Return to Value Gap Cover Insurance

    Available for cars valued up to £125,000 that are bought privately or from a dealership and have been owned for more than 3 months. Cars must be under 10 years old and have less than 120,000 recorded miles. Pays, in the event your car is stolen and not recovered or written off in an accident causing your motor insurer to make a “total loss” payment, the difference between what the motor insurer pays and the value of your car when you took out our GAP cover. Cover is available for a 1, 2 , 3 or 4 year period.

    Find out more
 
Avoid taking any chances with our GAP Cover Insurance
with costs starting from £136 for 3 years cover*.
* Price is based on a 3 year Return To Invoice policy for a Ford Focus 1.6 TDCI with a £5,000 claim limit.
Why you need Gap Cover
Insurance

Most motor insurers only pay out the current market value of your car when an accident or theft occurs that can give rise to a "total loss claim".

This could leave a shortfall of several thousand pounds compared to the value of your car either when you bought it or when you took out our GAP Cover Insurance.

150,000 cars are stolen each year and two thirds of these are taken with their keys, with just under half of the thefts of car keys stolen from the owner's home during a burglary, and the majority of cars are never recovered (Source LV=car insurance report 2014).

You might be a careful car owner but numerous "total loss claims" are caused by the action of third parties and your comprehensive motor insurance may not cover the full value of your car.

Download our GAP Insurance Guide