Guaranteed Auto Protection for your clients

If a vehicle is ‘written off’, Motor insurance only covers to its value at the point it is declared a total loss. This can be substantially less than outstanding finance commitments and the price you paid for your vehicle. GAP Insurance can cover the difference between the market value and the original purchase price of the vehicle.

  • Fast Claims Payout
    You can expect a claims payout within 24 hours of receiving all required documentation.

  • Eliminates Depreciation
    This add-on pays the difference between the insurance settlement and the vehicle original purchase cost including deposit.

  • Reduces Finance Risk
    Pays any outstanding balance owed on the vehicle under any form of finance agreement, including HP, Personal Car Loan, PCP (excluding Contract Hire/Lease).

  • Extended Policy Purchase Period
    Your client will have up to 180 days to purchase a GAP policy after vehicle purchase.

Our team has worked closely with our underwriter partners and product governance experts to redesign our offering from the ground up, ensuring it meets the FCA’s expectations for fair value and good customer outcomes.

We’ve introduced clear maximum retail prices, and our pricing model has been fully illustrated, justified, and approved by the FCA.  

GAP remains a high-quality product, offering real value and peace of mind to customers. And now, thanks to a rigorous approval process, our brokers can offer it with confidence, knowing it’s compliant, transparent, and built on trust.

Is there a limitation on mileage when purchasing the product?

Our GAP product has NO limitations on the vehicle mileage.

What is the vehicle value limit?

Up to £125,000.

What is the claim limit?

Up to £50,000.

Is there a pro-rata refund?

Yes, a full return premium is given within 30 days, after 30 days the client is entitled to a daily pro-rata refund proportionate to the unexpired days remaining, providing no claims have been made.

Are commercial vehicles covered?

Yes, Light Commercial vehicles up to 3.5T are covered.

Are there any restrictions on vehicle type?

Yes, certain makes and vehicles are not permitted. These include; Ferrari, Lamborghini, Maserati, and Rolls-Royce.

GAP Price Table

For most up-to-date pricing, please refer to Communic8.
*Vehicle purchase price

Level of Cover (3 Year Finance Term + *Price Band) Net Rate to You (Exc. IPT) Max Retail (Exc. IPT)
GAP Plus 3 Year (£5,000 – £10,000 Price Band) £130.34 £168.18
GAP Plus 3 Year (£10,000 – £15,000 Price Band) £142.67 £184.09
GAP Plus 3 Year (£15,000 – £22,500 Price Band)
£177.90
£229.55
GAP Plus 3 Year (£22,500 – £25,000 Price Band)
£183.18
£236.36
GAP Plus 3 Year (£25,000 – £30,000 Price Band)
£188.47
£243.18
GAP Plus 3 Year (£30,000 – £37,500 Price Band)
£209.60
£270.45
GAP Plus 3 Year (£37,500 – £50,000 Price Band)
£253.64
£327.27
GAP Plus 3 Year 50K (£50,000 – £75,000 Price Band)
£493.75
 £593.75
GAP Plus 3 Year 50K (£75,000 – £125,000 Price Band) £581.25 £681.25

*Vehicle purchase price

Level of Cover (4 Year Finance Term + *Price Band) Net Rate to You (Exc. IPT) Max Retail (Exc. IPT)
GAP Plus 4 Year (£5,000 – £10,000 Price Band) £167.33 £215.91
GAP Plus 4 Year (£10,000 – £15,000 Price Band) £170.85 £220.45
GAP Plus 4 Year (£15,000 – £22,500 Price Band) £230.74 £297.73
GAP Plus 4 Year (£22,500 – £25,000 Price Band) £244.83 £315.91
GAP Plus 4 Year (£25,000 – £30,000 Price Band) £255.40 £329.55
GAP Plus 4 Year (£30,000 – £37,500 Price Band) £292.39 £377.27
GAP Plus 4 Year (£37,500 – £50,000 Price Band) £365.00 £465.00
GAP Plus 4 Year 50K (£50,000 – £75,000 Price Band) £581.25 £681.25
GAP Plus 4 Year 50K (£75,000 – £125,000 Price Band) £725.00 £825.00