GAP Insurance

MotorInsuranceDesigned to run alongside your Motor Insurance.

GAP Insurance runs alongside motor insurance and is designed to financially protect you in the event of the total loss of your vehicle due to Fire, Accident or Theft. 






Most fully comprehensive motor insurance policies only offer a ‘new vehicle replacement’ during the first 12 months of ownership of a brand new vehicle. If your vehicle is written off or stolen after this period, the insurance payout is likely to be for the current Market Value. 


Gap insurance covers the difference or “bridges the gap” between the insurance payout, or the market value of a vehicle, and the amount you originally paid for it.


This can give you the peace of mind that you won’t be “out of pocket” after spending your hard earned cash on a new vehicle (Purchase Price Protection GAP) or that you will receive enough money to pay off any outstanding finance agreement or loan, (Finance/Lease Gap).


For example:

  1. New car costs £10,000
  2. After 2 years an accident results in a total loss and the insurer pays out £6000.
  3. A Gap policy pays out the £4000 difference or the amount required to pay off your finance agreement.


Policies are available with benefits between £5,000 & £25,000 depending on the value of the vehicle and can run from 1 to 5 years depending on the type of cover chosen. Terms & Restrictions do apply, including maximum vehicle age and length of time since purchase so please contact us for more details.


This insurance can also be taken on a Top-Up basis which is similar to above but simply adds 25% on top of the total loss valuation provided by your motor insurer.


Top-Up cover can also be taken on fleets of over 5 vehicles, whether they are cars, vans or trucks up to 44 tonnes as long as they are less than 10 years old at inception of the cover.


Please contact us for a quote before automatically taking the same cover through your motor dealer as, experience tells us, our prices are very competitive.


You may wish to view our other motor insurances;


Motor InsuranceBreakdown Cover


Should you require any further information, or if you are interested in a quotation please do not hesitate to contact us;


Telephone: 01630 658455



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