To find the right car gap insurance, think about:

  • What type of gap insurance policy you need

  • What cover you need, e.g. length of policy and claim limit

  • Whether gap insurance is worth getting

When you know what you need, use this comparison to get as many quotes as possible to find the best gap insurance for you.

What type of policy do you need?

There are four types of gap insurance policy you can get:

  • Return to invoice gap insurance: This covers the difference between the amount you paid for your car and the motor insurance pay out you get if your vehicle is written off.

  • Vehicle replacement gap insurance: This covers the difference between the amount your car would cost to buy new at the time of a claim and the insurance pay out.

  • Return to value: This covers the difference between the market value of your car when you bought it and the amount you get from your car insurer if you claim.

  • Finance gap insurance: This covers the outstanding balance you owe to a finance company if the insurance pay out does not cover your debt.

Which one you choose depends on how you bought your car, and whether or not you want a brand new replacement if your car is written off.

What cover do you need?

When you know which type of policy is best for you, use this gap insurance comparison to find the policy that gives you the right level of cover. Look at the:

  • Cover amount: The maximum the policy will pay out when you claim, e.g. 50,000

  • Length of cover: How long the policy will last for, e.g. up to five years

  • Length of ownership: How long you can have owned the car for, e.g. 12 months

Some insurers only cover cars bought from a dealership, but you can see which insurers cover cars bought privately in this comparison.

Do you need it?

Gap insurance means you need to pay a second premium on top of your car insurance, so think carefully about whether it is worth the cost.

Some car insurance policies offer replacement cover for new cars less than a year old, so gap insurance might not be worth it if you have this.

However, if you write off your vehicle, and do not have replacement cover, the total loss car insurance payout could be much less than what you paid for your vehicle.

Here is how to decide whether you need gap insurance.

Gap insurance FAQs


Do I need gap insurance and car insurance?


Gap insurance is not a legal requirement like car insurance, but it can cover your car's loss in value if you write it off.


When can I claim on my gap insurance?


You can only make a gap insurance claim if your car has been declared a total loss (written off), by your car insurer first.


How much does gap insurance cost?


It depends on the make and model of your car, how much it costs to buy, what cover limit you need and how long you want a policy for.


Does gap insurance cover my car insurance excess?


Most policies will cover the excess you pay to your car insurer up to a set amount, for example 250.


Can I get gap insurance if I bought my car on finance?


Yes, some policies are designed for cars bought on finance or lease. They will pay off anything you owe after your car insurance has paid out.


Should I buy gap insurance from the dealership?


No, you should compare gap insurance quotes online first because it is usually much cheaper when you buy direct from the insurer.

About our gap insurance comparison


Who do we include in this comparison?


We include gap insurance policies available from our panel of insurers and brokers. They are all regulated by the Financial Conduct Authority (FCA). Here is more information about how our website works.


How do we make money from our comparison?


We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.