Vauxhall GAP Insurance
In October 2024 Vauxhall cut the price of a new Corsa Electric Design from £32,445 to £29,045. Six months later it cut prices again, so that no electric Vauxhall cost more than £40,000.
Lower prices help new buyers. They are harder on anyone who already owns one, because when a car is written off, your insurer values it against what the same car costs now. Each price cut nudges that valuation down.
GAP insurance covers the difference between your insurer's payout and what you paid for your Vauxhall, or what you still owe on it. MotorEasy cover is available on Vauxhalls under eight years old with fewer than 100,000 miles, whether new or used, financed, leased or bought outright.
Get a quote online with your registration, or call us free on 0800 131 0001.
How quickly does a Vauxhall lose value?
Vauxhall now sells every one of its cars with an electric option, alongside petrol and hybrid versions. How fast your car loses value depends a lot on which one you chose.
Electric Vauxhalls
These have been hit hardest. In What Car?'s residual value data, a Corsa Electric Design 50kWh with a list price of £32,445 was worth £7,700 after three years and 36,000 miles. That is less than a quarter of its price.
The Electric Car Grant now takes £1,500 off every electric Vauxhall car, which makes them cheaper to buy. It also means the market value of older electric Vauxhalls is measured against those lower prices.
Petrol and hybrid Vauxhalls
These are steadier, but not immune. Cap HPI data reported by Car Dealer Magazine shows a three-year-old Astra Hybrid lost 18.3% of its used value during 2025 alone, and a Grandland X 17.2%.
Price parity across the range
Vauxhall now prices some models the same whatever the powertrain. A 2026 Astra Griffin costs £29,995 as a hybrid, a plug-in hybrid or an electric car before the grant. The figure GAP protects can be the same even though the three versions will lose value at different rates.
What the gap looks like on a Vauxhall
These numbers are made up to show the calculation. They are not a valuation.
| Grandland Electric on PCP, written off at 18 months | Used Corsa hybrid bought outright, written off at 2 years | |
| Price paid | £38,500 | £17,000 |
| Outstanding finance | £30,000 | None |
| Insurer's settlement | £24,000 | £12,500 |
| Shortfall against finance | £6,000 | None |
| Shortfall against price paid | £14,500 | £4,500 |
For the Grandland, Return to Invoice pays £14,500, the bigger of the two shortfalls, up to your claim limit. That clears the £30,000 owed and leaves £8,500 towards another car. Without it, you would be paying £6,000 to a finance company for a car you no longer have.
Is GAP insurance worth it for a Vauxhall?
It depends on which Vauxhall, and how you paid.
It is usually worth it on
- An electric Corsa, Mokka, Frontera, Astra or Grandland, given how far and how often prices have moved
- Any Vauxhall on PCP, HP or a personal lease, particularly in the first couple of years
- A Grandland or Astra plug-in hybrid, where the price paid is higher than the rest of the range
It may not be on
- A petrol Corsa a few years old, bought outright for a modest sum
- Any car you could replace from savings without much difficulty
Is Vauxhall GAP insurance required?
No. GAP is optional on any Vauxhall, including one on finance. Vauxhall does not require it, and you can buy it from whoever you choose.
Which type of GAP cover suits your Vauxhall?
| Cover | Best for | What it pays |
| Return to invoice | A new or used Vauxhall bought from a VAT-registered dealer within the last six months, on cash or finance | Brings the insurer's payout up to the net invoice price, or to the finance settlement if that is more |
| Return to Value | A Vauxhall bought privately, or owned for longer than six months | Brings the insurer's payout up to the car's value on the day your policy began |
| Contract hire and lease | A leased Vauxhall | Brings the insurer's payout up to the early termination amount, with up to £3,000 towards your initial rental |
Motability cars
A Vauxhall on the Motability Scheme belongs to Motability, and insurance comes as part of the scheme. Our GAP insurance needs you to be the registered keeper or named on the finance agreement, so it is not designed for Motability cars.
Buying GAP through Vauxhall's finance arm
Vauxhall finance is now provided by Stellantis Financial Services, which also handles Peugeot, Citroën and the other Stellantis brands. Its UK insurance range includes cosmetic repair cover and short-term car insurance, but it does not list a GAP policy. So if you were offered GAP at a Vauxhall retailer, it will have come from a separate insurer.
Questions to ask about any Vauxhall finance GAP
- Does it cover the invoice price, or only what is left on the finance?
- What is the maximum it will pay?
- Does it run for the full length of your PCP or lease?
- How much of your motor insurance excess does it contribute?
How long does Vauxhall GAP insurance last?
You choose the length when you buy, and it is shown on your policy schedule. The sensible choice is to match your finance agreement, because the early part of a PCP is when you are most likely to owe more than the car is worth.
GAP insurance for a used Vauxhall
The Corsa was the UK's best-selling supermini in 2025, with almost 36,000 registered, so there are plenty on the used market. Before you buy one, a few things are worth knowing.
Vauxhall's own warranty
A new Vauxhall has a three-year warranty: unlimited mileage in the first year, then up to 60,000 miles in years two and three. The battery in an electric Vauxhall is covered for eight years or 100,000 miles.
Is a used Vauxhall eligible?
- Under eight years old and below 100,000 miles when cover starts
- A current MOT if it is over three years old
- Built to UK specification, unmodified and listed in Glass's Guide
- Registered to you, or with you named on the finance
Does Vauxhall GAP insurance cover theft?
Yes. Theft is covered along with accidental damage, fire and flood.
For a theft claim to be paid, the police must be told, and the car must not have been unlocked or left with the key in it.
What MotorEasy Vauxhall GAP insurance covers
Defaqto has given our GAP insurance its 5-star rating. On a Vauxhall, here is what you get.
Covered
- A write-off through an accident, theft, fire or flood
- Factory or retailer-fitted options, including any upgrade packs you paid for
- Your motor insurance excess, to a maximum of £500
- Use in the UK, Channel Islands, Isle of Man and the European Economic Area
- A £150 payment if your insurer pays above market value and there is nothing to claim
Not covered
- Engine, gearbox, battery or other mechanical failure
- A loss without fully comprehensive motor insurance in place, or one where the insurer gives you a replacement car instead of cash
- Theft that was not reported to the police, or from an unlocked car or with the key left inside
- Cars used as taxis, couriers or emergency vehicles, or driven in competitions, races or off road
- On-the-road charges such as registration, road tax and plates, and dealer extras such as paint protection
Your claim limit appears on your quote and schedule, and the policy document sets out the full terms.
How much does Vauxhall GAP insurance cost?
The price of Vauxhall GAP insurance is based on the car's value, the type of cover and how long the policy lasts. Because every new Vauxhall now costs under £40,000, cover tends to cost less than on premium makes. Policies start from £4.30 a month, with no extra cost for paying monthly.
Your registration gets you an exact figure in a couple of minutes, with the claim limit shown alongside the price.
How to make a claim
Most important: contact us before you accept your motor insurer's settlement.
- Stolen? Report it to the police and keep the crime reference
- Still paying for it? Get a settlement figure from your finance provider
- Your insurer decides whether the car is a total loss and makes an offer
- Start your claim from My Purchased Products in your MotorEasy account, or call 0800 131 0001, and send the documents your policy asks for
Claims must reach us within 60 days.
Get your Vauxhall GAP insurance quote
Enter your registration to see a price straight away, or call 0800 131 0001 free if you would like help choosing the right cover for your Vauxhall.
Get a Vauxhall GAP insurance quote
Frequently Asked Questions
Not that we can find. Vauxhall finance comes from Stellantis Financial Services, whose insurance range does not include GAP. If you bought GAP with your Vauxhall, your policy schedule names the insurer and explains how to get in touch with them.
If your policy is with us, start the claim in your MotorEasy account before you accept anything from your motor insurer. You need to report it within 60 days. For a policy bought elsewhere, follow the claims process in that policy's documents, again before agreeing a settlement.
With MotorEasy, the car must be under eight years old with fewer than 100,000 miles when cover starts, and you must keep fully comprehensive motor insurance throughout. The insurer must declare the car a total loss. Cancellation is possible whenever you like. After the cooling-off period there is a £35 fee, and a refund for the unused months if you paid in full and have not claimed.
It is not required, but PCP is where GAP is most useful, because early on you can owe more than the car is worth. Our guide to GAP insurance for PCP cars explains how that works.
For a newer one, usually yes. The Corsa Electric has been among the fastest-depreciating electric cars in What Car?'s data, and Vauxhall's price cuts have pushed values down further. Our electric car GAP insurance guide explains the EV side in more detail.
Yes. Return to Value covers a Vauxhall bought from a private seller, as long as it is under eight years old with fewer than 100,000 miles when the policy starts. It protects the car's value on the day your cover begins.
