Compare our best vehicle replacement insurance

Discover vehicle replacement gap insurance from It would mean you’d have enough to buy a like-for-like replacement if your vehicle was written off.

  • Compare gap insurance from leading providers
  • One short form – save time & money
  • Find a great deal in under five minutes
Sponsored by

How to compare best vehicle replacement insurance


Enter your details

Enter a few details about yourself and the vehicle by filling in one simple form. This helps us to find the right type of gap insurance.


Compare quotes

We'll search our database of leading providers and show you the best deals we can find. Select the cost and length of cover to complete your quote.


Apply and save

Once you've reviewed the choices and add ons, simply pick the best gap insurance quote for you and apply.

What is vehicle replacement gap insurance?

Vehicle replacement gap insurance covers the shortfall between what you paid for your car and its current market value.

Most insurance policies will only pay out your car’s current market value if it’s stolen or written off. That could leave you short of what you originally paid, because cars quickly decrease in value. This is likely to mean you’d have to buy a second-hand car.

Vehicle replacement insurance tops up the difference between your car insurance payout, and what you would need to buy a new car the same.

This can give you great peace of mind that if your car was stolen or written off, you could replace it with a new model of the same car.

How to find the best vehicle replacement insurance

To get the best vehicle replacement insurance (VRI) policy you need to:

  • Work out what VRI insurance cover limits you need

  • Think about how long you want vehicle replacement gap insurance cover for

  • Compare as many vehicle replacement gap insurance quotes as possible.

Here’s more information on how GAP insurance works, and what different types of policies you can choose from.

What VRI insurance cover do you need?

To work out what VRI insurance cover you need, think about:

  • What cover limit do you want for your vehicle replacement gap insurance. Vehicle replacement is expensive. Work out how much you might need to claim to replace your car if it’s written off. Some VRI insurance providers cover up to £100,000.

  • How long do you want VRI insurance cover for? Most vehicle replacement gap insurance providers offer policies for up to four or five years. The longer the VRI insurance policy, the more you’ll pay.

When you know what you need from your replacement gap insurance, get quotes to find the right policy for you.

Here’s how to work out if you need gap insurance

How does replacement gap insurance work?

If your car’s a write-off, replacement gap insurance covers the difference between your car insurance payout and the cost of buying your car new. It can pay out more than return to invoice gap insurance because it allows for the rising cost of cars. This means you should get enough money from your car and vehicle replacement insurance payouts to buy a brand-new model of your car.

Here’s an example:

  • You buy a car for £20,000 and take out gap insurance

  • One year later, your car is stolen

  • Your insurer pays out the market value, which is now £15,000

  • Your vehicle replacement gap insurance pays out £5,000 (that’s the difference between the market value and what you paid for the car)

  • This brings the total payout received to £20,000, which is what you paid for your car.

Do I need vehicle replacement gap insurance?

Cars are known to be one of the fastest depreciating assets you can have. As soon as you drive a new car off the forecourt, it begins to lose value. So, if it was stolen or written off, you’d be left badly out-of-pocket.

The other thing to consider is whether you’ve paid for your car using finance. If you have, and then it’s stolen or written off, you could be left continuing to pay off your finance. Your payout wouldn’t cover the amount owed, so you’d have to continue paying even though you no longer have the car. In both scenarios, replacement gap insurance could help you out of a sticky situation.

Does vehicle replacement insurance come with any exclusions?

Yes. Most insurance policies come with exclusions, so check yours carefully

Some policies might only cover cars less than five years old. Others may only cover cars with less than 50,000 miles on the clock.

Are there different types of VRI insurance?

Yes, there are several types which you can choose from. They’re all designed to ‘top up’ the payout you get from your car insurance if your car’s stolen or written off.

The main types are:

  • Vehicle replacement – This pays the difference between your car insurance payout and the cost of replacing your car with a new one the same.

  • Return to invoice – This tops up the difference between your insurer’s payout and the exact price you paid for the car. It means you can recover what you spent.

  • Return to value – This pays the difference between your car insurance payout and the value of the car when it was brand new. It’s good for people whose car is second-hand.

Am I still covered by replacement gap insurance, even if I’m at fault?

Yes, you’ll still be covered, even if the incident that left your car a write-off was your own fault. Most policies contain some exclusions. You won’t be covered if you’re driving under the influence of alcohol or drugs, for example. Check your vehicle replacement gap insurance policy carefully so you fully understand it.

Can I find cheap vehicle replacement gap insurance?

When it comes to insurance, finding a cheap policy should never be your number one concern. Having the right insurance in place is important and by going for the cheapest policy, you might find that you don’t have the right level of cover. This could leave you in a sticky financial situation if the worst happened.

Once you know what kind of cover you’re after, you’ll need to shop around. Remember that buying your vehicle replacement gap insurance from the car dealer isn’t usually the cheapest option.

You can also usually choose to pay for your vehicle replacement gap insurance policy in monthly instalments. This usually makes the policy a little more expensive overall, but it can make it more manageable to pay off.

What do I need to think about before I take out vehicle replacement insurance?

Before you take out vehicle replacement insurance, you’ll need to think about:

  • How much cover you want

  • How long you want your cover to last for

  • What type of purchase you need to cover (some policies only cover cars bought through dealerships)

  • How long you’ve owned the car (most policies only cover you if you’ve only had the car a short time)

Vehicle replacement insurance FAQs

Do you need another type of gap insurance?

Get gap insurance quotes

Find a gap insurance deal that works for you.

Sponsored by

Explore gap insurance guides

See more guides


How does gap insurance work?

If you have bought a new car, a gap insurance policy can cover the loss in value if your vehicle is written off. Here is how gap insurance works.

Read More

Is it worth getting gap insurance?

Gap insurance can protect the value of your vehicle if you have an accident or it is stolen, but is it worth buying? Here is how to work out if gap insurance is right for you.

Read More

Why compare gap insurance with

By comparing gap insurance you could save money on the policy. The best value gap insurance will offer you the cover you need, at a price you can afford. Choose a cover plan from the best UK insurance companies and see the online discounts they offer.

Proud to be award winning

We have always aimed to provide the best possible services to bridge the gap between our users and our clients. Over the years, we have been thrilled to be recognised by various prestigious bodies and organisations for those efforts.

stevie award
WMA 2021 Logo-768x632
nba logo
logo dma
ecommerce awards

Last updated: 09 March 2022