{"id":861,"date":"2019-02-27T22:51:56","date_gmt":"2019-02-27T22:51:56","guid":{"rendered":"https:\/\/gapinsurance.co.uk\/blog\/?p=861"},"modified":"2026-08-31T15:28:39","modified_gmt":"2026-08-31T14:28:39","slug":"5-tips-for-buying-the-best-gap-insurance-policy","status":"publish","type":"post","link":"https:\/\/gapinsurance.co.uk\/blog\/2019\/02\/27\/5-tips-for-buying-the-best-gap-insurance-policy\/","title":{"rendered":"5 Tips For Buying The Best GAP insurance Policy"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">When you\u2019re comparing GAP insurance, price is an obvious starting point. But two policies with similar names can work quite differently when you need to claim.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The best policy for you should suit your vehicle, how you paid for it and what you want to protect. Once you\u2019ve established that, these five checks are worth making before you buy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">#1 &#8211; Check the insurer\u2019s financial strength<\/h2>\n\n\n\n<figure class=\"wp-block-image alignleft\"><img decoding=\"async\" src=\"https:\/\/gapinsurance.co.uk\/blog\/wp-content\/uploads\/2019\/02\/ARated.png\" alt=\"A-Rated Insurer\" class=\"wp-image-839\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">You\u2019re buying protection that you may not need for several years. Naturally, you want confidence in the insurer standing behind it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">An independent financial-strength rating gives you an assessment of an insurer\u2019s ability to meet its obligations, including paying claims. That\u2019s why we place importance on using financially strong, independently rated underwriters.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A rating isn\u2019t a guarantee that an insurer cannot fail. Equally, the absence of a rating doesn\u2019t automatically mean an insurer is financially weak. But it is useful information to consider alongside the cover and price.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/gapinsurance.co.uk\/a-rated-insurer.asp\">Find out more about A-rated GAP insurance underwriters.<\/a><\/p>\n\n\n\n<div style=\"height:61px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">#2 &#8211; Know who stands behind your policy<\/h2>\n\n\n\n<figure class=\"wp-block-image alignleft\"><img decoding=\"async\" src=\"https:\/\/gapinsurance.co.uk\/blog\/wp-content\/uploads\/2019\/02\/UKBased.png\" alt=\"UK Based insurer\" class=\"wp-image-845\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The company selling you GAP insurance isn\u2019t necessarily the insurer responsible for the cover. Look for the underwriter\u2019s name in the policy documents, and check what protection would apply if that insurer failed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The Financial Services Compensation Scheme (FSCS) can help, subject to its rules. Where protection applies, it generally covers 90% of valid GAP insurance claims.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, it does not guarantee that your policy will continue. If replacement cover cannot be arranged and your policy is cancelled, compensation would normally relate to the unused insurance premium. That generally means 90% of the remaining premium, not 90% of everything you originally paid.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You could still be left without GAP insurance, at a point when arranging a replacement policy may be difficult.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/gapinsurance.co.uk\/gap-insurance-uk-insurer.asp\">Meet our GAP insurance underwriters and learn about the protection available.<\/a><\/p>\n\n\n\n<div style=\"height:61px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">#3 &#8211; Understand how your payout would be calculated<\/h2>\n\n\n\n<figure class=\"wp-block-image alignleft\"><img decoding=\"async\" src=\"https:\/\/gapinsurance.co.uk\/blog\/wp-content\/uploads\/2019\/02\/MarketValue.png\" alt=\"No Market Value Clause\" class=\"wp-image-860\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">This is where a few lines in the policy wording can make a substantial difference.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Some policies use a valuation guide to decide what your vehicle should have been worth. If your motor insurer pays less than that figure, the GAP insurer may leave you to cover the difference. Some policies can also limit the purchase price they recognise for a used vehicle.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Our Invoice, Replacement and Contract Hire GAP insurance policies do not include these restrictive market-value clauses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Top-Up GAP works differently and has its own market-value provisions. So the important question isn\u2019t simply whether the words \u201cmarket value\u201d appear. It\u2019s how the policy uses that value, and what that means for your payout.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/gapinsurance.co.uk\/how-do-our-gap-insurance-policies-compare.asp\">Compare how our GAP insurance policies work.<\/a><\/p>\n\n\n\n<div style=\"height:61px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">#4 &#8211; Check who receives the payout<\/h2>\n\n\n\n<figure class=\"wp-block-image alignleft\"><img decoding=\"async\" src=\"https:\/\/gapinsurance.co.uk\/blog\/wp-content\/uploads\/2019\/02\/Cash.png\" alt=\"Cash Payouts\" class=\"wp-image-850\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">After losing your vehicle, you may want another just like it. Or your plans may have changed completely.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Check whether the policy pays a cash settlement, provides credit with a particular dealer, or requires the insurer to arrange your replacement vehicle. Those arrangements can leave you with quite different choices.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With our GAP insurance policies, any finance company with an interest in the vehicle is paid the amount due to it first, where necessary. Any remaining claim payment goes directly to you.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You don\u2019t have to spend that remaining money with a particular dealer, or even buy another vehicle.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/gapinsurance.co.uk\/cash-payouts.asp\">Read more about our cash payouts.<\/a><\/p>\n\n\n\n<div style=\"height:61px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">#5 &#8211; Check cancellation rights before you buy<\/h2>\n\n\n\n<figure class=\"wp-block-image alignleft\"><img decoding=\"async\" src=\"https:\/\/gapinsurance.co.uk\/blog\/wp-content\/uploads\/2019\/02\/30Day.png\" alt=\"Money Back Guarantee\" class=\"wp-image-857\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Give yourself time to read the documents properly. Check both the cooling-off period and what happens if you cancel later, perhaps because you\u2019ve sold your vehicle.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Our GAP insurance policies have a 30-day cooling-off period. If you cancel within that period, we provide a full refund, provided no claim has been made or is pending.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">After 30 days, provided no claim has been made or is pending, we calculate a daily pro-rata rebate of unused premium. In plain English, that means a refund based on the cover you haven\u2019t used. An administration fee may apply if you take that money as a refund.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Alternatively, you can put the unused premium towards a new policy from the same insurer on another vehicle without a cancellation, transfer or administration fee.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/gapinsurance.co.uk\/refund-and-cancellation-policy.asp\">See our refund and cancellation policy.<\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">A little time spent comparing these details can help you choose with more confidence. Always read the policy wording alongside your quotation: that\u2019s where you\u2019ll find the cover, limits and exclusions that apply to you.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Article last reviewed 31\/08\/2026<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When you\u2019re comparing GAP insurance, price is an obvious starting point. But two policies with similar names can work quite differently when you need to claim. The best policy for you should suit your vehicle, how you paid for it and what you want to protect. Once you\u2019ve established that, these five checks are worth [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7,2,3,6],"tags":[],"class_list":["post-861","post","type-post","status-publish","format-standard","hentry","category-contract-hire-gap-insurance","category-gap-insurance","category-invoice-gap-insurance","category-replacement-gap-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>5 Tips For Buying The Best GAP insurance Policy - GAPinsurance.co.uk Blog<\/title>\r\n<meta name=\"description\" content=\"Comparing GAP insurance? 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