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5-star Defaqto rated GAP insurance

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What is GAP Insurance?

GAP Insurance, or guaranteed asset protection, shields you from financial loss if your vehicle is declared a write-off by your car insurer due to accidents, theft, or damage from events like floods or fires.

Typically, insurers will only pay you the value of the vehicle at the time of the incident, rather than what you originally paid. Because cars can depreciate approximately up to 60% in the first three years, that could mean a significant shortfall in finance settlement charges or a loss in vehicle value. MotorEasy’s GAP Insurance bridges the gap between your insurance payout and your vehicle’s purchase price or outstanding finance.

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Additionally, MotorEasy offers various GAP Insurance options tailored to different needs, whether you've bought your vehicle on finance, lease or outright. Each policy is designed to be straightforward and provide comprehensive coverage, giving you peace of mind knowing that in the event of a total loss, the financial gap will be bridged effectively. This coverage is particularly valuable in the initial years of car ownership when depreciation is most pronounced and can significantly impact your financial stability in the wake of a vehicle loss.

To find out more about GAP, read our comprehensive GAP Insurance guide


Save money

MotorEasy offers up to 75% savings on GAP insurance compared to dealership prices, providing affordable financial protection for drivers.

Most cars covered

MotorEasy covers most vehicles, including new and used cars purchased from dealerships or private sellers, ensuring broad eligibility for GAP insurance.

24 hour payout

MotorEasy offers a 24-hour payout, ensuring claims are processed and paid within a day of approval.

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Buy online to save 11% using code TVGAP11

What does GAP Insurance cover?

GAP Insurance from MotorEasy covers a range of scenarios where your vehicle may be declared a total loss. This includes theft, accidental damage, fire damage, and water damage. Such comprehensive coverage ensures that if your car is severely damaged or stolen, the difference between your primary insurance payout and either the original purchase price or the outstanding finance amount will be covered.


Accidental damage

Fire damage

Water damage

Is GAP Insurance worth the money?

GAP insurance can be a valuable investment, particularly if you're concerned about the financial impact of your car being stolen or written off. It's crucial, though, to shop smartly, as dealer-sold GAP policies may cost up to three times more than those from independent providers like MotorEasy.

Following a 2015 FCA regulation, car dealers must observe a two-day cooling-off period before offering GAP insurance, although customers can waive this if they wish. When considering GAP insurance, pay close attention to the policy's scope, noting any limitations, exclusions, or potential excess charges, and don't hesitate to reach out to the seller to understand the finer details.

Other GAP Insurance benefits:

  • Up to £500 insurance excesses covered
  • Optional extras and accessories covered*
  • Covers European road trips
  • Savings on MotorEasy maintenance and repairs
  • A FREE MotorEasy account for updates 24/7

*Where factory or dealer fitted

What types of GAP Insurance are there?

Return to Invoice

New or used cars purchased within the last 6 months

RTI GAP Insurance covers the difference between your insurer’s payout and either the price you originally paid or the amount needed to settle your outstanding finance balance, whichever is the greater

Return to Invoice
Return to Value

New and used cars purchased more than 6 months ago from a private seller

RTV GAP Insurance covers the difference between your insurer’s payout, based on current value, and the original value, based on your GAP Insurance start date

Return to Value
Contract Hire & Lease

New or used cars purchased on a lease or contract hire agreement

Covers up to 100% of any outstanding rental payments on a vehicle, as well as any shortfall in a Finance settlement

Contract Hire & Lease
Finance GAP
Get a GAP Insurance Quote

Buy online to save 11% using code TVGAP11

Which manufacturers can I get GAP Insurance for?

Here at MotorEasy, we provide GAP Insurance for a wide range of manufacturers, from Audi to VW.

Check out some of the manufacturers we cover below or get a quote for a full list of makes and models we cover.