Business Details
Specialist Gap Insurance Solutions UK
Direct Gap is a specialist provider of Gap Insurance services operating across the United Kingdom. Established as a trading style of Spectrum Insurance Services Limited, we have built our reputation on delivering comprehensive coverage solutions that protect vehicle owners from financial shortfalls in the event of total loss. Our team of trained insurance professionals offers a range of tailored policies including Return to Invoice, Vehicle Replacement, and Finance/Contract Hire coverage options. As an FCA-authorised and regulated provider (number 309230), we maintain rigorous compliance standards while offering competitive pricing that can save customers up to 75% compared to dealership alternatives.Our commitment to exceptional service is demonstrated through features like free policy transfers, deferred start dates for new vehicles, and a dedicated claims team that settles 90% of cases within 10 days. With over 14,000 five-star reviews and a Feefo Platinum Trusted Service Award, we combine technical expertise with customer-centric practices to deliver reliable protection for all named drivers on comprehensive motor policies.
Services
Gap Insurance
Return to Invoice
Vehicle Replacement
Finance Gap
Tyre Insurance
Alloy Wheel Cover
Short Term Insurance
Scratch and Dent
Policy Transfer
Deferred Start Date
Highlights and features
- Save up to 75% compared to dealership insurance rates
- FCA-authorised and regulated provider (number 309230)
- Claims settled within 10 days of documentation receipt
- Unlimited claim limits on vehicles up to 50,000
- Free policy transfers and deferred start date options
Associations and certifications
- Financial Conduct Authority
What people say
Excellent customer service
Speedy service payment
Great support phone
Easy process
Competitive price
Services
Return to Invoice Gap Insurance
This policy covers the difference between your motor insurer's settlement and either the original invoice price or outstanding finance amount. Designed for both new and used vehicles, it provides financial protection against depreciation. Ideal for customers seeking comprehensive coverage that matches their initial investment.
Vehicle Replacement Gap Insurance
Pays the difference between insurance settlement and the cost of replacing your vehicle with one of identical specification. Includes protection against price increases and dealer discounts. Essential for maintaining your vehicle's original value proposition in case of total loss.
Finance/Contract Hire Gap Insurance
Specifically designed for financed vehicles, this policy covers the gap between insurance payout and remaining finance balance. Suitable for lease and contract hire agreements. Provides crucial financial security for customers with outstanding vehicle finance commitments.
Tyre and Alloy Wheel Insurance
Covers repair or replacement costs for damaged alloy wheels and tyres. Protects against accidental damage from kerbs and road hazards. Complements comprehensive motor insurance by covering cosmetic and structural wheel damage not typically included in standard policies.
Short Term Car Insurance
Flexible comprehensive insurance for periods between 1 hour and 28 days. Ideal for temporary vehicle use requirements. Provides full protection for short-duration needs without long-term commitment, suitable for various driving scenarios requiring immediate coverage.
Questions
What is Gap Insurance and how does it work?
Gap Insurance covers the financial difference between your motor insurer's settlement and your vehicle's original value or outstanding finance. It protects against depreciation-related shortfalls when your car is written off or stolen.
How much does Gap Insurance cost?
Premiums vary based on vehicle value and policy term. A five-year policy for a £20,000 car costs more than a one-year policy for a £10,000 vehicle. Direct Gap offers competitive rates with potential savings up to 75% versus dealerships.
Can I defer my Gap Insurance policy start date?
Yes, new vehicle owners can defer policy start for up to 12 months if their motor insurance already covers total loss during the first year. This allows immediate purchase while delaying coverage activation.
How quickly are Gap Insurance claims processed?
We commit to settling claims within 10 days of receiving documentation. The average settlement time is 4 working days, with payments made via bank transfer once motor insurer settlement details are confirmed.
What exclusions apply to Gap Insurance policies?
Policies exclude coverage for driving under influence, vehicle negligence (like leaving keys inside), hire/reward vehicles, cars over 10 years old or with 100,000+ miles, and claims not reported within 120 days of incident.
Can I transfer my Gap Insurance policy to a new vehicle?
Return to Invoice and Vehicle Replacement policies include free transfer options when changing vehicles. This allows continued coverage without penalty, maintaining protection as vehicle ownership circumstances change.
