The price of your Vehicle, as confirmed in the sales invoice which includes factory fitted accessories and dealer fitted options up to £1,500 and paintwork protection systems up to £250. You should exclude all deposit allowances, discounts, rebates, concessions, cashbacks, incentives and contributions, new vehicle registration fees, road fund licence fee, number plates, warranty costs, insurance premiums, fuel and other extras, arrears or negative equity.

Choose an insurance type

  • Finance/Contract Hire

    Pays the difference between the motor insurers settlement and the outstanding Finance Balance. Suitable for HP, PCP, Lease and Contract Hire Vehicles.

  • Return to Invoice +

    Pays the difference between the motor insurers settlement and either the invoice price or the amount outstanding on finance whichever is the highest.

  • Vehicle Replacement +

    Pays the difference between the motor insurers settlement and the cost of a replacement vehicle matching the original specification, age, mileage or the amount outstanding on finance whichever is highest.

Buy With Confidence, Direct Gap Provides all these benefits FREE of charge:

  • FREE - 5 Star Rated with 30 Day Money Back Guarantee
  • FREE - Unlimited Claim Limits on vehicles up to £75,000 on most policies
  • FREE - Policy transfer on RTI and VRI
  • FREE - Deferred Start Date Option for New Vehicle Purchases
  • FREE - Cover for ALL named drivers on your policy
  • FREE - No mileage restrictions during life of policy
  • FREE - Policy Amendments for Registration Number & Address Changes
  • FREE - Commitment To SETTLE your claim within 10 days
  • FREE - Credit Card Payments, No Additional Fees

See what our customers are saying about us

Scott Selbie 8 Sep 2023

55 star rating

Very competitively priced and easy to complete website I would recommend to others

Kevin Carter 27 Oct 2022

55 star rating

Best quote on market and completed in less than a minute. WARNING don't pay dealer fees again use DIRECT GAP

Michael Voyzey 4 Jan 2024

55 star rating

Really easy to purchase a Gap Insurance Policy this is my second one with Direct Gap

David 30 Sep 2022

55 star rating

Clear and helpful website. Much better value than dealer offer.

Stephen Foster 30 Jun 2022

55 star rating

Easy to use website and very competitive price

Beverley Williams 10 Nov 2022

55 star rating

Competitive prices + straightforward to purchase

Peter Egerton 1 Feb 2024

55 star rating

It’s so easy to set up and I’m confident in the policy that it covers all my costs.

Noel Egbury 22 Jun 2023

55 star rating

Very quick to obtain a quote and much, much cheaper than the main dealer price offered at the point of sale.

Susan Smith 13 Mar 2023

55 star rating

Much cheaper than other quotes. Easy to do. I phoned to talk to an adviser as never needed this type of insurance before. No ho…

Ranjit Ghag 11 Dec 2023

55 star rating

I have previously used this service and find it amazing, competitive prices and cheaper than buying direct from dealers.

Graham W Beds 6 Aug 2022

55 star rating

Nice website, clear & acurate descriptions plus its half the price of the car dealers!

clive williams 14 Jul 2023

55 star rating

As always great first class customer service. Have always used and will continue to do so. !! Thanks

Nicholas Anastasiou 20 Jun 2022

55 star rating

Excellent service as always

darren birch 8 Jan 2024

55 star rating

used before and experienced great service, thats why im back

Gillian Millar 12 Jan 2023

55 star rating

Nice and easy website and good value compared to main dealer.

Anca Riglea 25 Aug 2022

55 star rating

Super easy to follow the website and purchase the insurance. Comparing to others, Direct Gap is so so affordable Amazing custom…

Dragos Anton 9 Nov 2022

55 star rating

Great company! Will definitely recommend to family and friends!

Gary (Manchester) 31 Oct 2023

55 star rating

Straight forward & easy to use website. Explained what was covered, easy to understand & complete purchase. Much better value than…

Mrs K Dorning 9 Jan 2019

55 star rating

Very simple to arrange, competitive quotation. Far better than the dealer option.

Clare Williams 2 Mar 2020

55 star rating

The information on the website is excellent and all my queries were answered in the FAQs. I easily arranged and paid for the GAP i…

Linda Perkins 24 Sep 2019

55 star rating

Very quick and easy to look at quotes and to purchase this policy. It gives assurance that this is the UK's leading GAP Ins compa…

DAVE DAVIERS 2 Mar 2019

55 star rating

2ND POLICY NOW NEVER THOUGHT I'D USE FIRST ONE BUT SO GLAD I HAD IT AS CAR WRITTEN OFF AFTER 4 MONTHS. DIRECT GAP PAID OUT DIFFERE…

Gary Lancashire 8 Sep 2020

55 star rating

Used before for my wife's car much cheaper than the dealer quote and better cover

Karen King 6 Sep 2021

55 star rating

Super quick & easy to purchase. Competitive price too.