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Protect your vehicle against depreciation and avoid paying out of pocket in the event of a write off caused by an accident, theft, fire or flood.
We only recommend providers who...
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Cover new, used
and pre-reg vehicles -
Are Defaqto
5 Star Rated -
Have ‘A’
rated Underwriters
Why Consider GAP Insurance?
- New cars can lose up to 60–70% of their value in the first three years
- Used cars can drop 15–25% in the first 12 months
- Many vehicles on finance are worth less than the remaining balance after just one year
- Modern cars are frequently written off due to high repair costs
Without GAP Insurance, you could still be paying finance on a car you no longer have.
What is GAP Insurance?
If your car is written off or stolen, your standard motor insurer will only pay the current market value of your vehicle at the time of the claim.
Because cars depreciate quickly, this can leave a significant gap between:
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What your insurer pays out
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What you originally paid
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Or what you still owe on finance
GAP Insurance covers this shortfall, protecting you from unexpected financial loss.
Example GAP-claim payouts
MotorEasy data shows that the average GAP insurance payout in 2025 was £7,630 — a 37% increase on the previous year. The majority of claims came after accidents (66%), while more than a quarter (27%) followed vehicle theft.
Below are some of the highest real claim payouts where GAP cover helped customers recover thousands of pounds they would otherwise have lost.
| Make | Model | Cause | GAP Claim |
|---|---|---|---|
| Range Rover | Landover | Accident | £35,700 |
| Jaguar | I-Pace | Theft | £35,700 |
| Audi | Q8 | Theft | £28,500 |
| Hyundai | Ioniq | Theft | £25,300 |
Do You Need GAP Insurance?
GAP Insurance could be worth considering if:
- You’ve bought a brand new or nearly new car
- Your vehicle is on finance or lease
- Your car is likely to depreciate quickly
- You want complete financial peace of mind
If you’re looking for reliable, high-quality cover, we recommend MotorEasy GAP Insurance for its competitive pricing, strong customer reviews and comprehensive protection options.
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