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If you purchase a brand-new vehicle today and that vehicle is written off at some point in the future, the chances are that a new-for-old replacement vehicle would actually be more expensive than you originally paid.

If you had Invoice GAP Insurance the policy would max-out at your original invoice price and whilst that is almost certainly going to be more than welcome it is possible to protect yourself from any price increases whatsoever.

This can be done by way of purchasing Replacement GAP Insurance, which in the event of your vehicle being written off, will pay you the difference between your Motor Insurance payout and the cost of replacing the vehicle New-For-Old at the time of claim, even if the Replacement Vehicle costs more than the price you originally paid for it.

This policy is only available to cover brand new vehicles at first registration only.

If you require a quotation for Replacement GAP Insurance please select below the type of vehicle you wish to have a quotation for:

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All of our other policies need to be purchased within 90 days of you becoming the owner of the vehicle, but what if you bought your vehicle more than 90 days ago and would like to purchase GAP Insurance to protect your investment?

In many cases not very much, because there are very few companies that can provide you with GAP Insurance more than 90 days after you became the owner of your vehicle.

This is were our Retail Value GAP Insurance comes in. Providing that your vehicle is less than 6 years old and regardless as to how long you have owned it, you can purchase Retail Value GAP Insurance which in the event of your vehicle being written off, will pay you the difference between your Motor Insurance payout and the Retail Value* of your vehicle on the day that you purchased the Retail Value GAP Insurance policy.

Whilst this may not provide you with the same level of cover as our Invoice or Replacement GAP Insurance policies, it does - on the basis that those policies would not be available to you - provide you with the next best level of cover by allowing you to effectively freeze the market value of your vehicle for up to 3 years.

If you require a quotation for Retail Value GAP Insurance please select below the type of vehicle you wish to have a quotation for:

* - According to Glass' Guide

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This policy can be purchased whether you financed your vehicle by way of a Finance Agreement (not Contract Hire / Lease) or if you purchased the vehicle outright in a cash purchase. In purchasing the vehicle, your supplying dealer will provide you with an invoice stating the total price you actually paid for the vehicle.

If the vehicle is subsequently written off, your Motor Insurance company will pay to you what they believe is the Market Value of the vehicle at the time of write-off. This will almost certainly be less than the invoice price you originally paid for it.

If this happens, Invoice GAP Insurance will pay you the difference between your Motor Insurance payout and the original invoice price you paid for the vehicle.

If you happen to have finance outstanding on the vehicle, in many cases receiving the full original invoice price back would allow you to settle the remaining finance and also have some money left over which can be put towards the cost of the new replacement vehicle.

Of course, if you do not have any finance outstanding, you would be able to put the entire amount towards the cost of the replacement vehicle.

If you require a quotation for Invoice GAP Insurance please select below the type of vehicle you wish to have a quotation for:

Available to cover:

Contract Hire / Lease Agreements were traditionally the domain of financing corporate vehicles however more and more private buyers are taking advantage of Personal Contract Hire / Lease Agreements which in many cases, for a fixed monthly rental amount, over a set period of time, provides a vehicle including all servicing and maintenance costs to the user.

The disadvantage of such an agreement is that if the vehicle was written-off before the end of the Contract Hire / Lease term, the user would remain liable for the total amount of all the monthly repayments not yet made.

If your Motor Insurance write-off payout is not enough to clear the outstanding amount on the Contract Hire / Lease Agreement, Contract Hire GAP Insurance will pay the difference between your Motor Insurance payout and the amount required to settle the Contract Hire / Lease Agreement.

This means that you can concentrate on taking out a new Contract Hire / Lease Agreement in sourcing a new vehicle without having to budget for paying off the previous Contract Hire / Lease Agreement for vehicle you no longer have the use of.

If you require a quotation for Contract Hire GAP Insurance please select below the type of vehicle you wish to have a quotation for:

Available to cover:

If you purchase your vehicle by way of a Finance Agreement and the vehicle is written off before you have paid all the repayments, despite the fact that you no longer have the vehicle you will still be liable for the amount outstanding on finance.

If your Motor Insurance write-off payout is not enough to clear the outstanding finance secured on your vehicle, Finance GAP Insurance will pay the difference between your Motor Insurance payout and the amount required to settle your finance agreement.

This means that you can concentrate on replacing the vehicle you've just lost without having to budget for repaying the loan on the previous vehicle you no longer have.

If you require a quotation for Finance GAP Insurance please select below the type of vehicle you wish to have a quotation for: