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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.

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What is return to invoice gap insurance? Return-to-invoice Gap insurance review

What is return to invoice gap insurance?

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 October 2017.

How much does return to invoice Gap insurance cost?
  COST OF GAP INSURANCE FOR 3 YEARS COVER DETAILS
  Fiat Punto
£9,537
Honda Jazz
£13,258
Audi Q3 TDI
£25,116
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 £100 £116 £163 £250 £50,000 1 to 5 10 £250,000 Yes
www.car2cover.co.uk £105 £119 £175 £250 No limitb 1 to 5 10 £125,000 Yes
www.click4gap.co.uk £106 £123 £159 £0 £25,000 1 to 4 7 £50,000 Yes
www.directgap.co.uk £99 £119 £169 £250 No limitc 1 to 5 ns £75,000 Yes
www.gapinsurance.co.uk £103.61 £103.61 £155.30 £250 £100,000 1 to 5 10 £150,000 Yes
www.insureandgo.com £124.99f £124.99f £124.99f £250 £10,000 1 to 3 ns £50,000 nsg
www.autoebid.com £74.14h £83.74i £107.04j £250 £25,000 1 to 3 8 £80,000 Yes
www.shortfall.co.uk £85.79 £92.49 £153.17 £750 £50,000 1 to 4 nak £150,000e Yes
www.Totallossgap.co.uk l £89.99 £99.99 £156.42 £250 ns 2 to 5 8 £150,000 Yes
WarrantyDirect.co.uk £151.38 £151.38 £151.38 £500 £50,000 1 to 4 10 £125,000 Yesm

Table notes:
A claims limit of £7,500 has been applied to all policies unless stated

a Outstanding finance payments for the current car - not negative equity from finance on a previous car.
b No claim limits for vehicles costing up to £75,000, wide choice of claim limits available for vehicles costing £75,001 – £125,000.
c No claim limits for vehicles costing up to £50,000, claim limit of £30,000 for vehicles with an invoice price over this amount.
d For vehicles with an invoice price of more than £75,000 easygap have access to policies up to £150,000 and claim limits up to £50,000.
e Cover for more expensive cars can be arranged by phone
f Price for "Car Gap Insurance - Platinum Package" - Bronze, Silver and Gold Packages also available
g No specific exclusion, "Would be considered as part of a claim"
h Only available with a £5,000 claim limit
i Only available with a £10,000 claim limit
j Only available with a £15,000 claim limit
k Vehicle must have driven less than 80,000 miles
l Only offers "Total Loss Gap Insurance"
m Will cover PCP and Hire Purchase, does not cover Lease Purchase