GAP Insurance

Protecting you financially when your vehicle is written off

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Gap Insurance is a supplementary insurance that protects you financially when your vehicle is written off. Please remember that if your vehicle is written off, your own motor insurance company is only ever legally obliged to offer you the value of your vehicle on the day it was written off. With the average vehicle predicted to depreciate by up to 50% within the first three years alone, this means that the amount that you are offered in settlement can and often is, thousands and thousands of pounds less than the original amount that you paid

GAP Insurance

Covers the shortfall. Don’t loose out!

Use this quick calculation form to find the Potential Shortfall at risk on your vehicle without GAP insurance
Anticipated length of ownership (years):

Owned outright, leased, purchased on finance from a dealer or private sale get a GAP insurance quote for your vehicle in seconds.

This example is for illustrative purposes only and not a quotation, actual figures will vary depending on the make and model of the car, milage driven etc.

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Cheapest GAP insurance online
£ 0
Covered by your Comprehensive Car Insurance

(based on average depreciation rates and current market value)

£ 0
Potential Shortfall Without GAP Insurance

This Illustration is based on a Combination Return To Invoice type policy

If you are buying a brand new or nearly new vehicle, the more you will benefit from having GAP Insurance coverage in the event of any incidents. Also if you are signing a long-term finance deal on a brand new vehicle, you can risk having to pay outstanding finance out of your own pocket if your insurer does not pay enough to cover the balance.

What Cover Do We Offer

All products are fully ABI compliant and relate to a financial loss as a result of the vehicle being a total write-off due to accident, fire, vandalism, flood or theft. Protect the difference between what the insurance company will pay for your vehicle and either:

  1. The original invoice price you paid for the vehicle.

  2. The amount owing on finance.

  3. The cost to replace the vehicle on a like-for-like basis.

  4. The outstanding lease settlement at the point of loss.

  5. The outstanding lease settlement at point of loss and your Advanced Rental deposit (up to 6 payments)

View Insurance Policy Wording

  1. Shortfall Cover

  2. Contract Hire/Leasing GAP

  3. Contract Hire/Leasing GAP with Initial Rental Protection (IRP)

  4. Return To Invoice (RTI)

  5. Vehicle Replacement Insurance (VRI)

All policies are administered on behalf of BestPriceFS by RA Claims and the insurer is Acasta European Insurance Company
(registered no. 96218).


If Total Loss / Write Off occurs please help the Claims Office by reporting Your claim according to the following procedure.

  1. Contact the Claims Office prior to accepting an offer of settlement from Your Motor Insurer. The claim notification telephone number is 0161 505 1404.

  2. For Claims Authorisation, You must:

    • Provide Your Policy number and Vehicle details; and
    • Advise the cause of Total Loss / Write Off.
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  • Highly competitive pricing

  • Wider vehicle eligibility criteria and more flexible cover than competitors.

  • Can be bought up to 180 days after you have taken delivery of the vehicle.

  • Transferable to a replacement vehicle that meets the eligibility criteria.

  • Cover extends to Europe for up to 60 consecutive days

  • The vehicle is less than 10 years old and has less than 120,000 recorded miles at the Policy start date.

  • It has a purchase price of up to £125,000 (including factory and dealer fitted accessories endorsed by the manufacturer).

  • It is insured under a comprehensive motor insurance policy.

  • The policy is purchased within 180 days of the date when you took ownership of the Vehicle.

  • Any finance agreement secured on the Vehicle is in Your name and that the original amount financed is less than or equal to the Vehicle purchase price.

  • You are the owner of the Vehicle or in respect of contract hire and leasing contracts you are the authorised driver for the Vehicle.

Significant exclusions:
  • Modified vehicles

  • If you are a business selling or servicing motor vehicles

  • Vehicles used for Hire & Reward

  • If causation is from an accident under the influence of drink/drugs

  • Claims made after 30 days

  • Claims procedure – if you accept an insurance settlement without prior agreement only Market Value will be paid.

  • Salvage of the written off vehicle

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