Start with the essentials
Use these guides to understand what GAP insurance can protect, how the policy types differ and why suitable cover is about more than simply clearing outstanding finance.
Complete Guide
How GAP insurance works, the different protection levels and what to check before buying.
Compare Policies
Compare Invoice, Replacement, Contract Hire and Top-Up GAP side-by-side.
GAP and Finance
Learn why clearing finance is only one part of the protection GAP insurance can provide.
Explore the different types of GAP insurance
Each type of cover protects a different financial position. Start with the description closest to how you acquired your vehicle and what you would want protected after a Total Loss.
Invoice GAP
Covering the difference between the total loss valuation of your vehicle and the higher of either the original invoice price, or the outstanding finance at the time of claim.
Learn MoreReplacement GAP
Everything that Invoice GAP provides, plus additional financial cover if the cost of a new equivalent vehicle at the time of claim has increased beyond your original invoice price.
Learn MoreContract Hire GAP
Covering the difference between the total loss valuation and the termination amount for which you are liable under the terms of the contract hire agreement plus reimbursement of some/all of your initial rental.
Learn MoreTop-Up GAP
Increases your motor insurer's total loss valuation of your vehicle by up to 25% (max £10,000).
Annually renewable cover for vehicles up to 10 years old.
Learn MorePolicy details worth checking
These focused pages explain features and conditions that could affect eligibility or a future claim.