Gap Insurance

A  consierge service for everyone.

Award Winning GAP insurance

5-star Defaqto rated GAP Insurance. Provided by Motoreasy

GAP Insurance, or Guaranteed Asset Protection, protects you from financial loss if your vehicle is written off by your car insurer due to accidents, theft, or damage from events such as floods or fires.

GAP Insurance is designed to cover a wide range of vehicles, making it a great option for many drivers. If your car is less than 8 years old, has fewer than 70,000 miles on the clock, and weighs under 3,500 kg, it’s likely eligible – as long as its insured value is below £75,000. To qualify, vehicles also need to meet UK specifications, be listed in Glass’s Guide, and remain unmodified.

MotorEasy makes GAP Insurance simple with options designed to fit your needs,

whether you’ve bought your car outright, on finance, or leased it. These policies are built to give you peace of mind, covering the financial gap if your car is written off. It’s especially helpful in the early years of ownership when your car’s value drops the fastest, protecting you from unexpected financial hits during a total loss.

Save money

MotorEasy offers up to 75% savings on GAP insurance compared to dealership prices, providing affordable financial protection for drivers.

Most cars covered

MotorEasy covers most vehicles, including new and used cars purchased from dealerships or private sellers, ensuring broad eligibility for GAP insurance.

24 hour payout

MotorEasy offers a 24-hour payout, ensuring claims are processed and paid within a day of approval.

Buy online to save 11%

Gap Insurance

How does a GAP Insurance Policy Work?

The details of your GAP Insurance policy depend on the type of cover you pick, but the idea is the same across the board: it steps in to cover the difference between what your insurer pays out for a write-off or total loss and the original value of your vehicle.

Let’s say you buy a new car for £30,000. A couple of years later, if it’s written off or stolen, its value might have dropped to around £10,000. That’s the amount your insurance company would pay out, leaving a significant gap. If you’re still paying off finance, dealing with a lease agreement, or planning to replace your car with the same model, you could end up seriously out of pocket without GAP Insurance to bridge the difference.

You can find your GAP Insurance claim limit in your quote or schedule document. If you think your car might be written off, make sure to check the claims process in your Policy Document, which you can access through your MotorEasy account. It’s important to do this before agreeing to any settlement offer from your motor insurer.

Gap Insurance

What does GAP Insurance cover?

MotorEasy GAP Insurance has you covered in all sorts of situations where your car might be written off, including theft, accidents, fire, or water damage. With this protection, you won’t be left out of pocket, the policy bridges the gap between your insurance payout and either the price you originally paid for the car or the remaining finance balance.

Theft

Accidental Damage

Fire Damage

Water Damage

 

With MotorEasy, you’re also covered for optional extras and accessories if they’re installed by the factory or dealer as well as up to £500 towards your insurance excess.

Are there any exclusions?

The coverage details of GAP Insurance depend on the type of policy you select, but there are a few common exclusions that apply across all GAP policies. Here’s what to keep in mind:

  • Before you buy GAP Insurance, double-check that you have the right kind of car insurance in place. GAP coverage requires a comprehensive car insurance policy to work effectively.
  • GAP Insurance only covers you if your vehicle is declared a write-off or total loss. If it’s not, you won’t be covered.
  • GAP Insurance covers your car when it’s being used for regular road driving, as long as it hasn’t been modified. However, if you’re involved in competitive driving or have made modifications to your car, there may be exceptions to your coverage.