Business Details
22 Years
experience
Emergency
services
Trusted GAP Insurance Solutions in the UK
Established in 2004, we are the UK's original online specialist in GAP insurance, dedicated to providing comprehensive financial protection for vehicle owners. Our team combines over two decades of industry expertise with a commitment to shielding customers from insurer-driven price increases, ensuring transparent and reliable coverage. Backed by an A-rated UK underwriter, we offer a range of GAP insurance products, including Contract Hire, Invoice, Replacement, and Top-Up policies, all designed to bridge the financial gap between motor insurance settlements and the true value of your vehicle.With 5-star Feefo ratings and a proven track record of customer satisfaction, we prioritise cash payouts, no market value clauses, and a 30-day cooling-off period. Our innovative Total Loss Courtesy Car service and new-for-old promise further demonstrate our dedication to customer-centric solutions, ensuring peace of mind for thousands of UK drivers.
Services
Contract Hire GAP
Invoice GAP
Replacement GAP
Top-Up GAP
Excess Protection
Details
- Year established: 2004
Highlights and features
- 22 years of specialist experience in GAP insurance since 2004
- Policies underwritten by A-rated UK insurer Arch Insurance (UK) Ltd
- Cash payouts with no market value clauses
- 5-star rated policies with Feefo Platinum accreditation
- 30-day cooling-off period with full refunds available
Associations and certifications
- Financial Conduct Authority (FCA)
- Arch Insurance (UK) Ltd
What people say
5-star rated policies
Cash payouts
No market value clauses
Excellent customer service
Trusted insurer
Services
Contract Hire GAP
Contract Hire GAP insurance covers leased vehicles by bridging the shortfall between motor insurance settlements and leasing company early termination charges. This policy includes up to 3,000 of initial rental reimbursement and excess protection, ensuring financial security for personal or business lease agreements. Available for contracts with at least 12 months remaining, it provides peace of mind against unexpected write-offs.
Invoice GAP
Invoice GAP insurance secures the original purchase price of your vehicle, covering both new and used cars up to 10 years old. It guarantees payout up to the invoice price or outstanding finance balance, whichever is higher, while including excess protection and optional courtesy car benefits. This policy helps maintain financial stability after a total loss event.
Replacement GAP
Replacement GAP insurance provides comprehensive protection for brand new vehicles within 90 days of registration. It covers the difference between insurance settlements and the cost of a brand new equivalent, including finance balances or invoice prices. With added benefits like excess protection and courtesy car options, it ensures maximum financial security.
Top-Up GAP
Top-Up GAP insurance offers annual renewable coverage that increases total loss valuations by 25% (up to 10,000). Designed for cars up to 80,000 in value and 10 years old, this flexible policy includes excess protection and courtesy car options. Ideal for vehicles where other GAP products aren't available or when extending existing coverage.
Excess Protection
Excess Protection insurance covers both compulsory and voluntary motor insurance excess payments up to selected limits between 300-1,500. This 12-month policy works alongside GAP insurance or independently, providing financial protection against claim-related excess charges while allowing policyholders to maintain higher excess amounts for reduced premiums.
Questions
What is GAP insurance and do I need it?
GAP insurance covers the financial gap between motor insurance settlements and your vehicle's true value. It's recommended for financed, leased, or recently purchased vehicles to protect against depreciation.
What types of GAP insurance do you offer?
We provide Contract Hire, Invoice, Replacement, and Top-Up GAP insurance, each tailored to different ownership scenarios including leasing, financing, or outright purchases.
How does the new-for-old promise work?
If your motor insurer replaces your vehicle new-for-old during our policy term, we'll re-issue a new GAP policy for your replacement vehicle matching the original coverage duration at no extra cost.
Are there price increases for electric vehicles?
Yes, from November 15th 2025, policies for 100% electric vehicles will see increases between 4.62% and 44% depending on coverage duration and risk assessment.
What payment methods do you accept?
We accept major credit and debit cards for online purchases, with alternative payment arrangements available through our customer service team for specific cases.
How quickly are claims processed?
Claims are handled promptly through our dedicated administrators, with cash payouts typically processed within 28 days of receiving complete documentation and settlement confirmation from your motor insurer.
