Business Details
22 Years
experience
UK Specialist in GAP Insurance Solutions
Established in 2004, we are the UK's original online specialist in GAP insurance, dedicated to providing financial protection for vehicle owners against depreciation after total loss incidents. Our team combines over two decades of industry expertise with A-rated underwriting from Arch Insurance (UK) Ltd, ensuring reliable coverage and cash payouts without market value clauses. As an FCA-regulated entity, we prioritise transparency, offering 5-star rated policies with unique benefits like our New-for-old Promise and Total Loss Courtesy Car.Our commitment to shielding customers from insurer-driven price increases reflects our deep understanding of market dynamics and regulatory changes since 2024, while maintaining platinum-rated customer service through Feefo. With over 22 years of experience in risk mitigation, we provide tailored solutions for both personal and business vehicle owners nationwide.
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 since 2004
- Policies underwritten by A-rated UK insurer
- Cash payouts with no market value clauses
- 5-star customer ratings across multiple platforms
- FCA regulated for consumer protection
Associations and certifications
- Financial Conduct Authority (FCA)
- Arch Insurance (UK) Ltd
What people say
Quick claims settlement
Significant cost savings
Transparent policy terms
Excellent customer support
A-rated underwriting
Services
Contract Hire GAP
Designed for leased vehicles, this policy covers finance settlement shortfalls plus up to 3,000 initial rental. Available for personal and business leases with 12+ months remaining. Protects against early termination costs when your leased car is written off. Provides financial security for both standard and high-risk vehicle classifications.
Invoice GAP
Secures the original invoice price paid for vehicles up to 10 years old. Ideal for cars bought outright or on finance within 90 days of purchase. Covers depreciation during ownership period while leaving additional funds for replacement vehicles. Particularly beneficial for used car buyers facing significant value loss.
Replacement GAP
Covers brand new vehicles within 90 days of registration. Pays the difference between motor insurer's valuation and either finance balance, original invoice price, or current new car cost. Includes excess protection up to 750 and optional courtesy car for 28 days. Most comprehensive coverage available for new car buyers.
Top-Up GAP
Annual renewable policy increasing total loss valuation by 25% (up to 10,000). Suitable for vehicles up to 80,000 value and 10 years old. Includes motor insurance excess cover up to 750. Flexible solution when other GAP options aren't available or previous policies have expired. Ideal for extended ownership periods.
Excess Protection
Covers motor insurance excess payments up to 1,500. Works alongside or separately from GAP policies. Underwritten by Fortegra Europe Insurance Company SE. Available in multiple coverage levels with 14-day cooling off period. Protects against both compulsory and voluntary excess charges for comprehensive claims.
Questions
What is GAP insurance and do I need it?
GAP insurance covers the financial shortfall between your motor insurer's payout and either your finance settlement or original purchase price when your vehicle is written off or stolen. It's recommended for financed vehicles, lease agreements, or when protecting against depreciation.
What types of GAP insurance do you offer?
We provide four main types: Contract Hire GAP for leased vehicles, Invoice GAP for purchase price protection, Replacement GAP for new cars, and Top-Up GAP for short-term coverage. Each addresses different ownership scenarios and financial protection needs.
How do your claims process work?
Contact our claims administrator on 0330 111 3998 for GAP claims or 0330 111 3093 for Excess Protection claims. We process verified claims quickly, with cash payouts made directly to policyholders after settling finance obligations where applicable.
Are there any exclusions I should know about?
Cover excludes commercial vehicle use, racing applications, and vehicles with more than 7 seats. Electric vehicles and certain high-risk models face specific pricing adjustments. Modified vehicles may require special consideration.
How do price increases affect policy purchases?
Policies purchased before midnight 14th November 2025 remain unaffected. For vehicles arriving after this date, policies can be purchased with start dates up to 30 days in the future. Electric vehicles and high-risk models face premium increases from 4.62% to 44%.
