SAVE: Use discount code "XFFORUM10" to save 10% off our GAP insurance, Tyre & Alloy and Scratch & Dent insurance policies.

GAP insurance covers you in the event that your vehicle is written off through accident, fire, theft or flood. Your motor insurer will only pay you what they think your car is worth at the time of loss, whilst GAP insurance will then step in to pay you an additional sum of money which varies subject to the type of GAP insurance policy you purchase.

On average our GAP insurance policies have paid out ~£6,418 per claim. The largest claim we've paid to date was £48,859! You can see more GAP insurance details and statistics at: https://www.gapinsurance.co.uk/gap-insurance-statistics.asp


Invoice GAP insurance:

Aims to pay the difference between your motor insurance payout and the greater of either:


  • The amount outstanding on finance at the time of claim, or
  • The original invoice price that you paid for your vehicle originally (after discount).



See here for more details: www.gapinsurance.co.uk/invoicegap



Replacement GAP insurance:
Aims to pay the difference between your motor insurance payout and the greater of either:


  • The amount outstanding on finance at the time of claim, or
  • The original invoice price that you paid for your vehicle originally (after discount), or
  • What it would cost at the time of claim to replace your vehicle with a vehicle of the same (or nearest equivalent) make, model, specification, age and mileage as was relevant to your vehicle at the time you first bought it (e.g. if you bought a brand new vehicle originally, it'd be looking at the cost of a brand new equivalent at the time of claim).



See here for more details: www.gapinsurance.co.uk/replacementgap



Contract Hire GAP insurance

Aims to pay the difference between your motor insurance payout and the amount required to settle the remaining balance of your Contract Hire agreement. You can even pay a small additional payment to ensure that if your leased vehicle is written off, you'll be reimbursed the initial payment you put down.


See here for more details: www.gapinsurance.co.uk/contracthiregap

(Though please note that not all Contract Hire GAP agreements require GAP insurance - Contact us for more details.)



Clearly terms and conditions apply, so please visit the links above for full details or, get in touch with us on either 01484 490095 or [email protected] to discuss your requirements further.