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Gap insurance

Return to invoice Gap review

By Simon Miller

Article 3 of 5

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Return to invoice Gap review

Find out how much return-to-invoice Gap insurance costs. Our table compares policies from third-party insurers.

Return-to-invoice Gap insurance tops up the payout you receive from your car insurer to the amount you paid for the vehicle. For example, if you bought a Ford Fiesta Studio for £8,745, but a year later had an accident and received only £5,000 from your car insurer, your return-to-invoice Gap insurance policy would pay the difference, minus your excess.

Many providers also offer finance Gap insurance - which covers any loans you took out to pay for the car - as part of this product.

Return-to-invoice Gap insurance review

The table below shows the cost of return-to-invoice Gap insurance for three different cars bought brand new, and the features of the different third-party gap insurance policies. These include:

  • Excess - how much your Gap policy will pay towards your car insurance excess
  • Maximum level of cover - how much cover you can take out
  • Cover availability - how long you can take out the Gap insurance for
  • Age of vehicle - the age limit of the vehicle that each Gap insurer will cover
  • Maximum value of vehicle that each gap insurer will cover
  • Finance - whether the Gap insurance will cover your outstanding payments for your car if you bought it on finance

The premiums quoted are for a brand new car, for three years of cover. All quotes were updated in February 2016.

How much does return to invoice Gap insurance cost?
  COST OF GAP INSURANCE FOR 3 YEARS COVER DETAILS
  Ford Fiesta Studio
£8,745
Honda Jazz
£15,095
Audi Q3 TDI
£33,650
Amount towards your insurance excess Maximum level cover Cover available for
(years)
Maximum age of vehicle
(years)
Maximum value of vehicle Covers finance on cara
THIRD PARTY INSURERS
www.ala.co.uk £82 £120 £181 £250 £50,000 1 to 5 10 £250,000 Yes
www.car2cover.co.uk £93 £114 £122 £250 £50,000 1 to 5 10 £125,000 Yes
www.click4gap.co.uk £109 £129 £252 £0 £25,000 1 to 4 7 £50,000 No
www.directgap.co.uk £83 £114 £169 £250 ulb 1 to 5 10 £75,000 Yes
www.easygap.co.uk £63 £84 £118 £250 £25,000 1 to 5 8 £75,000c Yes
www.gapinsurance.co.uk £66 £89 £108 £250 £100,000 1 to 5 10 £150,000 Yes
www.gapinsurance123.co.uk £63 £84 £118 £250 £25,000 1 to 5 10 £75,000 Yes
www.insureandgo.com £121 £121 £145 £250 £5,000- £15,000d 1 to 3 n/a £50,000 No
www.motorpocket.com £61 £77 £94e £250 £25,000 1 to 3 8 £80,000 Yes
www.shortfall.co.uk £64 £84 £115 £250 £50,000 1 to 5 8 £150,000f Yes
www.Totallossgap.co.uk £69 £92 £147 £250 ulg 2 to 5 8 £75,000 Yes
WarrantyDirect.co.uk £135 £161 £161 £500 £250,000 1 to 3 8 £50,000 No
Table notes:
a Outstanding finance payments for the current car - not negative equity from finance on a previous car
b No limit (up to car's initial invoice price) where car is £50,000. £30,000 otherwise.
c By phone, cover can be available for up to £50,000, and for vehicles up to £240,000
d Depends on the value of the car
e Based on a claim limit of £15,000
f Cover for more expensive cars can be arranged by phone
g Product pays out the higher of the original invoice cost or vehicle replacement cost.

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