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Vehicle-replacement Gap review

Find out how vehicle-replacement Gap can help with the cost of replacing your car, and how much it costs.

In this article
What is vehicle-replacement gap insurance?
Vehicle-replacement Gap insurance reviewed

What is vehicle-replacement gap insurance?

Rather than helping you reach the amount you paid for your car, vehicle-replacement Gap insurance bridges the difference between the amount you get form your car insurer and the cost of a new vehicle.

For example, if you bought a Honda Jazz for £13,258, but a year later had an accident and received only £10,000 from your car insurer and the car had gone up in price to £20,000, your vehicle-replacement Gap insurance would cover the difference. Only a contribution will be made towards your excess, though.

In most cases, Finance Gap insurance is also part of the package - meaning that outstanding payments on a loan used to pay for the car are covered in full.

Vehicle-replacement Gap insurance reviewed

When you buy a car - either in cash or using finance - the car dealer will probably recommend buying their Gap product along with it. However, Gap insurance bought through dealerships is often heavily overpriced, and shopping around could potentially save you hundreds.

The table below shows the cost of vehicle-replacement 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 insurance 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 will cover your outstanding payments for your car if you bought it on finance

  Cost of Gap Insurance for 3 years (The car's value is in brackets)

Vauxhall Corsa

Ford Fiesta
Mercedes Benz A-Class
BMW 3 Series
Amount towards your insurance excess Maximum level cover Cover available for (years) Maximum age of vehicle(years) Maximum value of vehicle Covers finance on car
ALA £262.00 £262.00 £317.00 £317.00 £250 £50,000 1 to 4 10* £150,000 Yes
Click4Gap £230.00 £231.00 £291.00 £398.00 £250 £25,000 2 to 4 7* £50,000 Yes
Direct Gap £179.00 £189.00 £229.00 £249.00 £250 £25,000 1 to 5 7* £75,000 Yes
Gapinsurance.co.uk £162.37 £205.27 £235.10 £250 £250 £50,000 1 to 4 8* £200,000 Yes



More info

InsureandGo offers "Car Gap insurance" for up to 3yrs in Bronze, Silver, Gold and Platinum packages. Data is for the Platinum package




£100 £25,000 1 to 5 8* £75,000 Yes
Shortfall £123.75 £145.92 £177.17 £177.17 £750 £50,000 1 to 4 ns* £150,000 Yes
Total Loss Gap £127.48 £149.21 £189.21 £189.21 £250 no upper limit 2 to 5 8* £50,000 Yes


*mileage restrictions may also apply so please check with the GAP insurer.