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gap insurance


GAP Insurance is a supplementary insurance that protects you financially when your vehicle is written off.
Please remember that if your vehicle is written off, your own motor insurance company is only ever legally obliged to offer you the value of your vehicle on the day it was written off.

With the average vehicle predicted to depreciate by up to 50% within the first three years alone, this means that the amount that you are offered in settlement can and often is less than the original amount that you paid.
Without any form of Gap Insurance you are left having to deal with the cost of the loss alone. You may have to use savings, take on extra financial commitments or worse still, you will be left paying for a vehicle that you no longer have. Gap Insurance can protect you against this loss.

Return to Invoice is designed to pay the difference between your vehicles valuation on the day it is written off and the original invoice price you have paid. You are returned what you paid for the vehicle and from this you can clear any finance if needs be and any remainder is yours.
Most often the level of cover offered by dealership will be classed as a Combined RTI & GAP Insurance. This means that it will also have a financial protection element built in. Simply put, if your vehicle is written off and with interest added, the amount that you have outstanding on finance is higher than the invoice price you paid, it will clear the finance and leave you free to walk away with no further liability.

prices starting from as little as £295

Why not ask us for a quote for GAP Insurance to protect your investment? Contact us now.


GAP Insurance is optional and is available from other providers. This summary does not include all of the terms and conditions so please take the time to read your policy document.