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Gap insurance

Gap insurance pays the difference between the Declared Value* at the start of the policy and what motor insurers pay for a total loss.

Product Features

  • Cover write off's from Fire, Theft, Accident (Fault or Non Fault)
  • Cover available for cars, motorcycles (500cc or over) and light commercial vehicles up to 3500kg
  • Cover is available on vehicles up to 5 years old and with up to 80,000 miles at the date of policy purchase
  • Cover available for 1, 2 or 3 years
  • Covers up to £250 motor insurance excess in a claim
  • Maximum payout is up to an impressive £15,000
  • Cover is available on vehicles up to £50,000 value at date of policy purchase

Simple Facts

  • Up to £500,000 vehicles are declared a "write off" each year
  • Your vehicle is depreciating every second
  • A vehicle is stolen every 120 seconds in the UK
  • Motor Insurers will pay only the depreciated value at the time of a claim
  • There is a motor insurance claim every 8 seconds of every working day
  • Vehicle key theft during house robberies has almost doubled in the past 3 years

Customer Benefits

  • No need to borrow additional amounts to replace vehicles with a similar model
  • Can help to settle any outstanding finance or loans, thus helping maintain a positive credit rating
  • Can help keep important hard earned savings intact as these often have to be withdrawn to help bridge the depreciation or deposit "GAPS"

*If taken out within 1 month of the purchase of the vehicle, this may with certain insurers be the invoice value. Alternatively insurers can use the market value of the vehicle at the inception of the gap policy.

Enquire & we'll call you back

Use the enquiry form on this page and we'll call you back at your convenience during office hours (be sure to leave a number we can contact you on).

If you prefer to phone, during office hours you can call us on 0161 480 0170 to get answers directly from one of our specialists.

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image of a graph explaining the gap insurance

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