Nissan GAP Insurance
Two Nissans sit near the top of two very different tables. The Juke was the fifth most stolen car in the UK in 2025. The Leaf is one of the fastest-depreciating cars on UK roads, with What Car?'s residual value data showing an entry-level second-generation model keeping just 22% of its list price after three years and 36,000 miles.
Theft and depreciation are the two things that leave drivers out of pocket when a car is written off, because your insurer pays market value, not what you paid or what you owe.
Nissan GAP insurance from MotorEasy covers that shortfall on any Nissan under eight years old with fewer than 100,000 miles, whether it is a Qashqai on PCP, a used Juke or an electric Leaf, Ariya or Micra.
Type in your registration for a quote, or the team are on 0800 131 0001, free to call.
How quickly does a Nissan lose value?
It varies more across the Nissan range than most, because the line-up covers petrol, e-Power hybrid and fully electric cars, and they behave very differently on the used market.
The Leaf shows how wide the gap can get
What Car?'s residual value data for the Leaf Acenta 39kWh gives a list price of £28,995 and a trade-in value of £6,425 after three years and 36,000 miles. That is a drop of £22,570, with 22.16% of the price retained. Our own depreciation analysis found the second-generation Leaf keeps 26.5% of its value over the same period, the second-fastest depreciation of any car on UK roads.
Those are trade-in values. An insurer's market valuation is usually higher than trade-in, so the real gap after a write-off would be smaller. But on a three-year-old Leaf it would still be the larger part of the original price.
Petrol and hybrid Nissans are steadier
The Qashqai, built in Sunderland and one of the most familiar cars on UK roads, generally holds its value far better than the Leaf. The gap after a write-off is smaller in percentage terms, but on a finance agreement it can still leave you owing money.
What the gap looks like on a Nissan
The Leaf figures below come from What Car?'s data. The Qashqai figures are an illustration of a financed car, not a valuation.
| Leaf Acenta 39kWh, bought outright, written off at 3 years | Qashqai on PCP, written off at 14 months | |
| Price paid | £28,995 | £33,000 |
| Outstanding finance | None | £27,000 |
| Value used in the example | £6,425 (What Car? trade-in value) | £24,500 (illustrative settlement) |
| Shortfall against price paid | £22,570 | £8,500 |
| Shortfall against finance | None | £2,500 |
On the Qashqai, Return to Invoice pays the greater shortfall, £8,500, up to the claim limit on your schedule. Without it, you would owe £2,500 on a car you no longer have and have nothing towards the next one.
Is GAP insurance worth it for a Nissan?
It depends on which Nissan, and the answer is clearer for some models than others.
- Leaf, Ariya and electric Micra. The strongest case in the range, because electric Nissans have seen some of the steepest falls in used values
- Juke. Theft is the issue here. The Juke was one of the five most stolen cars in the UK in 2025
- Qashqai and X-Trail on finance. Worth it in the first two or three years of a PCP, when the amount owed can exceed market value
- An older Micra or Juke bought outright. The weakest case. If you could replace the car from savings, GAP may add little
Which type of GAP cover suits your Nissan?
| Cover | Best for | What it pays |
| Return to Invoice | A new or used Nissan bought from a VAT-registered dealer in the last six months, including on PCP or HP | The difference between the insurer's settlement and the invoice price or the finance settlement, whichever is greater |
| Return to Value | A Nissan you have owned for more than six months, or bought privately | The difference between the insurer's settlement and the car's value when your policy started |
| Contract hire and lease | A leased Nissan, including electric models | The difference between the insurer's settlement and the early termination amount, plus up to £3,000 towards your initial rental |
If you are leasing a Leaf or Ariya, lease GAP is the one to look at, because the early termination charge on an EV lease can be large relative to what an insurer would pay for the car.
Does Nissan GAP insurance cover theft?
Yes. Theft is covered alongside accidental damage, fire and water damage, and for Juke owners it is the headline risk.
The Juke in the theft figures
Our analysis of 2025 DVLA theft data found 1,191 Jukes were stolen in 2025, making it the fifth most stolen model in the UK. Nissan was the sixth most stolen brand, with 3,671 thefts across the range. The Juke first entered the top ten in 2024, with 1,027 thefts according to DVLA figures analysed by What Car?.
Tracker, which recovers stolen vehicles with UK police forces, names the Juke among the models thieves currently favour.
Protecting a Juke, and your claim
A steering wheel lock and a signal-blocking pouch for the key are both worthwhile on a Juke. For a GAP claim to be paid, the theft must be reported to the police, and the car must not have been left unlocked or with the key inside.
GAP insurance for electric and hybrid Nissan models
Nissan was early into electric cars with the Leaf, and the range now includes the Ariya and the electric Micra, alongside e-Power hybrid versions of the Qashqai and X-Trail.
Why EVs need a closer look
Used EV values have generally fallen faster than petrol and hybrid, and the Leaf has been among the hardest hit. If you buy an electric Nissan new or nearly new, the gap between what you paid and what an insurer would pay after a write-off can be large within two or three years.
What GAP does and does not do on an EV
GAP covers the financial gap when the whole car is a total loss. It does not cover battery degradation or a drive battery failure, which are warranty matters. Our electric car GAP insurance guide covers the points specific to EVs.
What MotorEasy Nissan GAP insurance covers
Defaqto gives our GAP insurance its top 5-star rating. On a Nissan, cover looks like this.
Included
- A total loss from theft, accidental damage, fire or water damage
- Up to £500 towards your motor insurance excess
- Optional extras, as long as Nissan or the dealer fitted them
- Cover in the UK, the Channel Islands, the Isle of Man and the European Economic Area
- A £150 payment where your insurer pays over market value and no shortfall exists
Excluded
- Theft that has not been reported to the police, or from an unlocked car or with the key left inside
- Battery degradation, mechanical or electrical faults
- A loss where your motor cover was not fully comprehensive, or where the insurer offers you a replacement car
- Taxi, courier and emergency use, plus racing, competition and off-road driving
- Costs like registration, road tax, plates and dealer-sold paint protection
The claim limit is shown on your quote and policy schedule. The full terms are in the policy document.
How much does Nissan GAP insurance cost?
Your price depends on the value of your Nissan, the type of cover and the policy length, so a used Micra and a new Ariya on a lease will cost different amounts. Cover starts from £4.30 a month, and paying monthly costs nothing extra.
How to make a claim
The key step: contact us before you accept your motor insurer's settlement offer.
- If your Nissan has been stolen, report it to the police and keep the crime reference number
- Wait for the insurer's total loss decision and their settlement figure
- Start your GAP claim before accepting. Sign in to your MotorEasy account, open My Purchased Products and select Start Claim, or call 0800 131 0001
- Provide the paperwork listed in your policy document
Tell us within 60 days.
Get your Nissan GAP insurance quote
All we need is your registration to show a price. Or call 0800 131 0001 free and we will talk through cover for your Nissan
Get a Nissan GAP insurance quote
Frequently Asked Questions
Yes, provided your motor insurer settles it as a total loss, the theft is reported to the police, and the car was locked with the key not left inside. Given the Juke's place in the UK theft figures, it is the scenario Juke owners should have in mind.
For a newer Leaf, it is one of the clearest cases in the range. What Car?'s data shows an entry-level Leaf keeping around 22% of its list price after three years. If you bought outright, GAP protects the price you paid. If it is on finance or leased, it covers what you still owe.
Yes, if it is under eight years old and has covered fewer than 100,000 miles when cover starts. On an older Leaf bought cheaply, the gap between its value and the price you paid is smaller, so the case is weaker than on a new one.
Return to Invoice pays whichever is greater: the gap between your insurer's settlement and the finance settlement figure, or the gap to the price you paid, up to your claim limit. Our guide to GAP insurance for PCP cars explains how that works on a PCP.
No. GAP is for write-offs only. A drive battery fault is a warranty matter. See our Nissan warranty page for cover once the factory warranty ends.
Yes. If you bought from a VAT-registered dealer within the last six months, Return to Invoice is available. If it has been longer, or you bought privately, Return to Value covers the car's value when the policy starts. Our Nissan reliability index is worth a look if you are buying used.
