Why Choose Our GAP Insurance?

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Unmatched Expertise

We are experts in GAP protection insurance for retail & commercial vehicles.

Comprehensive-Coverage

Comprehensive Coverage

Our comprehensive coverage protects your car against fire, accident, theft and water damage. We'll protect your write off risk and will also pay up to £500 per year towards repairable accident damage excess!

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Seamless Claims Process

Filing a claim shouldn't be stressful. Our hassle-free process ensures fast support for GAP Insurance coverage.

Our GAP Insurance

Our Gap Insurance covers wite off loss, debt & excess repairable accident damage excess, we'll protect your write off risk and will also pay up to £500 per year towards repairable accident damage excess!

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Return-to-Invoice GAP Insurance

Reimburses the difference between your insurer's payout and the original purchase price

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Our Gap Cover

Check out our Gap coverage when compared with other Gap providers

Features Our GAP Others
Write Of loss circle-check-ok circle-check-ok
Outstanding Finance (Where applicable) circle-check-ok circle-check-ok
Motor Insurers write off excess cover circle-check-ok circle-check-ok
£500 pa towards non write off excesses circle-check-ok City Icon
Up to 30 days temporary car hire cover circle-check-ok City Icon
All named drivers on motor insurance circle-check-ok City Icon
Dealer fitted accessories circle-check-ok City Icon
No market value or glasses guide clause circle-check-ok City Icon

Who Can Buy GAP Insurance and When?

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When You Can Buy?

Gap Insurance can only be purchased within 90 days of taking possession/delivery of your vehicle from a motor dealership, broker or leasing company.

Comprehensive-Coverage

What age and purchase price?

Vehicles that are under 10 years of age and have a purchase price of £5,000 up to £125,000 qualify for Gap Insurance, provided they were acquired within the last 90 days.

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Cash Or Finance Buyers?

Gap Insurance is suitable and of benefit to those who paid cash or those who fully or partially financed their vehicle under a PCP, HP, or personal loan.

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Vehicle Type?

Cover is available for cars and light commercial vehicles not exceeding 3500 tons that are registered in the United Kingdom, Channel Islands or the Isle of Man. Vehicles used for Hire and Reward, Taxi, Private Hire and Courier use are not eligible.

The Risk Is Real What will Gap Insurance Do For You?

GAP insurance coverage removes the risk of your car being written off by your car insurer in case of accidents, thefts or damage.

Guaranteed Asset Protection, (GAP Insurance) protects you against financial loss if your vehicle has been declared a total loss or write off by your insurer. It covers the difference between your vehicle's purchase price and its current market value. If your car is involved in an accident, stolen or damaged by flood or fire, and deemed a total loss, your comprehensive insurer may only pay the market value for your vehicle at the time of the incident. This may leave you exposed to any remaining finance settlement charges, or the substantial loss suffered with the vehicle value depreciation.

It is under 10 years old and has a Purchase Price of £5,000 or more, at the Date of Purchase; It is the sole vehicle listed in the Finance Agreement (if any); It is a private car or light commercial vehicle not exceeding 3.5 tonnes; It is covered by a Comprehensive Motor Insurance throughout the entire Policy term; It is registered in the United Kingdom, Channel Islands or the Isle of Man

Any vehicle that is not a right hand drive vehicle; Grey Imports, emergency vehicles, commercial vehicles over 3.5 tonnes, taxis, courier vehicles, buses, minibuses, coaches, trucks, motor homes, trailers, heavy goods vehicles, licensed private hire vehicles, daily rental vehicles, breakdown and recovery vehicles; and vehicles used or insured for hire and reward, dispatch, driving school tuition, chauffeuring, road racing, track days (timed or untimed), rallying, pace-making, speed testing or any other competitive event; and any vehicle that has been Modified after the Date of Purchase.

Fortegra Europe Insurance Company SE 17, Office 13, SOHO Office The Strand, Fawwara Building, Triq I-Imsida, Gzira, GZR 1401, Malta (“.

A write off can be an unrecovered theft of vehicle, or damage caused by accident, theft, fire or floods to a level that makes it uneconomical to repair.

If you make a motor insurance claim that is not a write off, our Gap Insurance will pay up to £500 towards your motor insurers excess charge

The claim limit is £50,000 including any insurance excess up to £500.

Please refer to your policy terms and conditions for information on how to start a claim.

Yes. Return to Invoice (RTI) GAP cover is available for new or used cars purchased within the last 90 days (3 months). It 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.

If you paid cash for your car, Gap Insurance will top up your motor insurer's payout - back to the price you originally paid for it. If you financed or leased, your debt will be paid, and there may be sufficient remaining to receive a surplus to use as a deposit for your next vehicle.

If you suffer a write-off and make a valid Gap Insurance claim with us, you may also qualify for up to 30 days car hire costs.

Yes, all named drivers on the motor insurance would be covered with Gap coverage.

This policy cannot be transferred to another insured vehicle or to any subsequent owner of the insured vehicle except in the following circumstances:
  • Where ownership of the insured vehicle is transferred to a family member, then cover may be transferred so long as that family member meets the eligibility criteria.
  • Where you are entitled to or are offered a replacement vehicle under the terms of the comprehensive motor insurance, and no benefit has been paid by us under the total loss cover section of T&C's, you will be entitled to transfer the remaining cover under this policy to your replacement vehicle so long as the replacement vehicle meets the eligibility criteria.

Please refer to your policy terms and conditions for information on how to cancel your policy.
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GAP Insurance is arranged by FirstBase Future Marketing Limited “FBFM” trading as Warranty Direct, a limited company registered in England and Wales. registered number: 8035554 Registered Office: 5 Clements Court, Clements Lane, Ilford, Essex IG1 2QY Tel: +44 (0)20 8553 4076 and is regulated by the Financial Conduct Authority. Financial Services Register number FRN: 590013.

The adminstrator of the GAP Insurance is Alternative Propositions Limited, St. Christopher House, 217 Wellington Road, Stockport, SK2 6NG. Alternative Propositions Limited is Authorised and Regulated by the Financial Conduct Authority No. 602443.

GAP Insurance policies are underwritten by Fortegra Europe Insurance Company SE 17, Office 13, SOHO Office The Strand, Fawwara Building, Triq I-Imsida, Gzira, GZR 1401, Malta (Financial Conduct Authority registration number 805770).

The Warranty Direct brand and logo are trademarks of “FBFM”. The  website https://www.warrantydirect.co.uk and its designs are solely owned by “FBFM”.

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