GAP Insurance

GAP Insurance protects you against financial loss in the unfortunate event of a total loss insurance claim.

What is GAP Insurance?

GAP Insurance protects you from financial loss if your vehicle is written off following a total loss insurance claim.

In these cases, your standard motor insurance typically pays out the car’s current market value which, due to depreciation, is often less than its original purchase price or the amount still owed on finance. GAP Insurance covers the shortfall by topping up your insurer’s payout, helping you settle any outstanding finance or buy a replacement vehicle.

Why Choose MotorEasy GAP Insurance?

If your vehicle is written off due to theft, accident, fire, or water damage, our cover ensures you’re not left out of pocket. We bridge the gap between your insurer’s payout and either the original purchase price or your remaining finance balance.

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Gap Insurance

MotorEasy GAP Insurance covers cars that are:

MotorEasy GAP Insurance covers cars that are:

  • Under 8 years old
  • Fewer than 100,000 miles
  • Weighing less than 3,500 kg
  • Meet UK specifications
  • Listed in Glass’s Guide
  • Remain unmodified
  • Insured value below £75,000

Flexible GAP Insurance Options:

Our recommended GAP Insurance partner MotorEasy, offers a range of 5-star Defaqto-rated GAP policies tailored to how you purchased your vehicle, including:

Return To Invoice (RTI) GAP

Designed for new or used cars purchased with cash, a loan or a Personal Contract Plan. RTI will cover the difference between your car’s starting “invoice value” and its depreciated market value at the time of write off. You can buy RTI GAP up to 6-months following your vehicle purchase.

Return To Value (RTV) GAP

Designed for new or used cars purchased with cash, a loan or on a Personal Contract Plan. RTV is suitable for cars that were purchased more than 6-months ago. It is designed to cover the difference between your car’s starting value when you purchased your GAP policy and its depreciated market value at the time of write off.

Lease and Contract Hire GAP

Designed for new or used cars purchased on a lease or contract hire basis

Covers the difference between your main motor insurer’s payout (based on your car’s market value at the time of write-off) and the outstanding balance on your lease or contract hire agreement, including any early settlement charges.

Why Choose MotorEasy GAP Insurance?

If your vehicle is written off due to theft, accident, fire, or water damage, our cover ensures you’re not left out of pocket. We bridge the gap between your insurer’s payout and either the original purchase price or your remaining finance balance.

Theft

Accidents

Fire Damage

Water Damage