GAP Insurance
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GAP Insurance ensures that in the event of a write-off, you’re not caught short by your car insurer

Most cars covered

New and used cars bought from dealerships and private sellers

Finance cover

Cars purchased on loans, PCPs, HP and more accepted

75%

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Save up to 75% on dealer GAP Insurance prices

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Many motorists don’t consider the reality of a write-off to their vehicle. Even the finest insurers will only reimburse you for the current market value of your car. Meanwhile, the second you drive it off the forecourt a car’s value begins to depreciate.

A GAP Insurance policy tops up an insurance payout in the event of a write-off, providing you with the extra funds to purchase a replacement vehicle or to settle any outstanding finance.

GAP Insurance protection for new car or used car write offs

RTI / RTV GAP Insurance cover available for all cars up to 10 years old and 100,000 miles

Contract Hire / Lease GAP Insurance cover available for all cars up to 8 years old and 80,000 miles

Our GAP Insurance covers write-offs due to:

Theft

Accidental damage

Fire damage

Water damage

GAP Insurance for all situations:

RTI
Return to Invoice

New or used cars purchased within the last 6 months

RTI GAP Insurance covers the difference between your insurer’s payout and either the price you originally paid or the amount needed to settle your outstanding finance balance, whichever is the greater

Return to Invoice
RTV
Return to Value

New and used cars purchased more than 6 months ago from a private seller

RTV GAP Insurance covers the difference between your insurer’s payout, based on current value, and the original value, based on your GAP Insurance start date

Return to Value
CHG
Contract Hire & Lease

New or used cars purchased on a lease or contract hire agreement

Covers up to 100% of any outstanding rental payments on a vehicle, as well as any shortfall in a Finance settlement

Contract Hire & Lease
Finance GAP

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What is GAP Insurance?

GAP Insurance or guaranteed asset protection covers you against financial loss if your vehicle has been declared a total loss or a write off by your car insurer.

If your car is involved in an accident, stolen or damaged by flood or fire, and considered a total loss, your insurer will only pay the market value for your vehicle at the time of the incident.

On average, a car loses around 60% of its value in the first three years, leaving you exposed to a shortfall of thousands of pounds on any remaining finance settlement charges or a substantial loss suffered from the vehicle value depreciation.

This can be avoided with MotorEasy GAP Insurance, which bridges the GAP between the value your insurance company will give you for your vehicle and what you paid for it, or owe in finance, depending on the type of GAP Insurance you take out.

To find out more about GAP, read our comprehensive GAP Insurance guide

“Before I had the accident I couldn’t see the need for GAP Insurance, and something kept nagging me, so I took it out and I'm glad I did!”

Mr D Caller, Worthing

Where’s the GAP?

If you bought outright:

You are covered for the car’s value at the point of purchase. As your vehicle depreciates over time, the value of your GAP Insurance increases to cover you.

chart time

If you bought on finance:

Due to depreciation, your insurance payout will be less than you owe the finance company - leaving you to pay the difference. GAP Insurance will clear any finance you owe in full.

chart term of loan

Don’t worry about car write off - for 24/7 peace of mind, get a quote

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“The appeal of MotorEasy is clear and simple. It looks after all the tedious, day-to-day aspects of car ownership, leaving you free to enjoy driving.”

Paul Hudson, Telegraph Motoring Editor

Other GAP Insurance benefits:

  • Up to £1000 insurance excesses covered
  • Optional extras and accessories covered*
  • European road trips for up to 30 days covered
  • Savings on MotorEasy maintenance and repairs
  • A FREE MotorEasy account for updates 24/7

*Where factory or dealer fitted

GAP Insurance Explained

“Depreciation means cars lose value very quickly, so if your car is written off or stolen, you can be out of pocket.

On average a car loses around 60% of its value in three years - the typical length of a car on finance.

So, if your new car costs £12,000 and three years later it was stolen or written off, you’d get just £4,800 from your insurer.

That’s not enough to buy the same car brand new and it’s unlikely to be enough to repay the remaining finance due to balloon payments and interest on PCP deals.

GAP Insurance covers the difference between what your insurer pays out and, depending on the type of policy, what you paid for the car or what you still owe on the car.”

Duncan McClure Fisher,
MotorEasy founder

MotorEasy GAP Insurance manufacturers

Here at MotorEasy, we provide GAP Insurance for a wide range of manufacturers, from Audi to VW.

Check out some of the manufacturers we cover below or get a quote for a full list of makes and models we cover.

FAQs