Compare GAP Insurance

  • Consider GAP insurance alongside your main car insurance for extra protection if your car is stolen or written off
  • Compare the different types of GAP insurance available from leading insurers below
  • Choose your type of cover and get a quote today

Choose your type of cover

  • Return to Invoice

    Vehicles purchased from a dealer in the last few months

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  • Return to Value

    Vehicles purchased privately or older vehicles owned a while

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  • Vehicle Replacement

    New vehicles purchased recently from a dealer

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  • Vehicle Finance

    Vehicles purchased on finance. Only covers outstanding charges

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3 products found
  • MotorEasy logo

    MotorEasy

    • Vehicles Covered
    • Return to Invoice (RTI)
      (Includes outstanding finance)
    • Return to Value (RTV)
    • Vehicle Replacement (VRI)
    • Vehicle Finance
  • Click4Gap logo

    Click4GAP

    • Vehicles Covered
    • Return to Invoice (RTI)
    • Return to Value (RTV)
    • Vehicle Replacement (VRI)
    • Vehicle Finance
  • ALA Insurance logo

    ALA

    • Vehicles Covered
    • Return to Invoice (RTI)
      (Includes outstanding finance)
    • Return to Value (RTV)
    • Vehicle Replacement (VRI)
    • Vehicle Finance

Our comparison service features a selection of providers from whom we receive commission. This table is initially ordered according to our commercial arrangements. Use the drop down menu at the top of the page to order by other criteria.

GAP Insurance

You can choose to purchase GAP insurance in addition to your main car insurance to get some extra protection if your car is stolen or written off.

Although your car insurance will cover some of the costs of your lost vehicle, it will only pay out the amount that your car is worth at that time- not the amount you originally paid for it. Because of depreciation, this will often be substantially less than you paid and is unlikely to be enough to pay for a brand-new replacement.

New cars lose value very quickly. As a result, after spending a substantial sum of money on your new set of wheels, you could be left out of pocket should the worst happen.

This is where GAP insurance can help, as it will cover the difference between your car insurance payout and the value of your car at the time of purchase.

So, for example, if you paid £15,000 for your car when it was new, but at the time it was written off it had depreciated in value to £8,000, GAP insurance would pay out £7,000 to cover this difference.

Similarly, if you have a new car on a finance agreement, you could be left at a financial disadvantage should your car get written off as you would still be liable to make the remaining payments. Again, depreciation could mean your car insurance payout doesn’t cover the costs of the finance you have left to pay, leaving you to make up the difference with your own money. However, GAP insurance can cover this shortfall and clear your remaining finance payments.

There are different types of GAP insurance available, each with their own specific features depending on when you bought your policy and your car, whether you bought outright or on finance, and your own individual circumstances and preferences. Drivers can choose from: Return to Invoice (RTI), Return to Value (RTV), Vehicle Replacement, and Vehicle Finance GAP insurance.

GAP Insurance FAQs

What is GAP insurance?

Do I need GAP insurance?

How does GAP insurance work?

How much does GAP insurance cost?

Can I buy GAP insurance at any time?

Do I need GAP insurance if I have car finance?

Should I get GAP insurance for a used car?