Whether it's a flood, an accident, a fire
GAP cover gets you back on track
GAP insurance works by covering the shortfall between the original invoice price of your vehicle and the car insurance payout should you be unfortunate enough to make a total loss claim to your motor insurer.
If your vehicle is stolen, involved in an accident or damaged by fire or floods and your insurance company declares it a write-off, they will settle at the vehicle's current market value, this can leave you out of pocket by thousands of pounds when finding a replacement vehicle.
A brand new car can lose up to 35% of its value within the first year and up to 70% over three years. Don't get caught out – protect your investment with GID GAP insurance cover today.
Is GAP Insurance Worth It?
These statistics are from research conducted in December 2024
of UK drivers have written off a car
of Brits can't afford a replacement vehicle with their car insurance settlement alone
of Brits say they would struggle financially if they wrote off a car
Why Choose GID?
Top-rated policies
Highest Trustpilot rated GAP provider
No contracts
Pay as you go – cancel anytime
Save up to 75%
Compared to dealership prices
A Better Way to Insure
Traditional cover often comes with lengthy contracts and unexpected costs buried in the small print. We think insurance should be simpler, fairer, and built around you.
Freedom to Change Your Mind
Unlike typical 12–36 month contracts, our cover flexes with you. If your circumstances change, you're never stuck waiting it out.
Cancel Anytime, Fee-Free
Change your mind? With us, there are no cancellation fees or exit charges – you just cover what works on your terms.
Transparent Pricing
No large upfront deposits, no admin fees, no inflexible payment structures – just clear, straightforward pricing from the start.
What Does GAP Insurance Cover?
GAP insurance covers the difference between your motor insurer's settlement figure and either the original price you paid for your vehicle, the amount still outstanding on your finance agreement, or the cost of a comparable replacement vehicle. Without GAP insurance, you could be left owing thousands of pounds on a car you no longer have.
Do I Need GAP Insurance?
GAP insurance is particularly important if you bought your vehicle on PCP or hire purchase finance, if you made a small deposit, if your vehicle depreciates quickly, or if you have a long finance term. In 2024 alone, over 560,000 vehicles were written off in the UK — roughly one every minute. If your car is declared a total loss and you have a finance agreement outstanding, GAP insurance ensures you are not left with a debt and no vehicle.
Why Choose GID for GAP Insurance?
GID Ltd is an FCA-authorised motor finance insurance distributor with over 30 years of experience in the UK automotive sector. We hold a 4.9 star rating on Trustpilot from more than 2,200 verified customer reviews, making us one of the most trusted GAP insurance providers in the UK. Every customer receives a personalised, fully recorded needs assessment from one of our FCA-regulated advisers, and every call is retained for six years as evidence of compliant advice.