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GAP Insurance ensures that in the event of a write-off, you’re not caught short by your car insurer

Most cars covered

New and used cars bought from dealerships or private sellers

Finance cover

Cars purchased on loans, PCPs, HP and more accepted


Save money

Save up to 75% on dealer GAP Insurance prices

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Many motorists don’t consider the reality of a write-off to their vehicle. Even the finest insurers will only reimburse you for the current market value of your car. Meanwhile, the second you drive it off the forecourt a car’s value begins to depreciate.

A GAP Insurance policy tops up an insurer’s payout in the event of a write-off, providing the extra funds to purchase a replacement vehicle or to settle any outstanding finance.

GAP Insurance protection for new car or used car write offs

GAP Insurance cover available for all cars up to 10 years old and 100,000 miles

Our GAP Insurance covers write-offs due to:


Accidental damage


GAP Insurance for all situations...

Return to Invoice

New or used cars purchased within the last 6 months

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

Return to Value

New and used cars purchased more than 6 months ago from a private seller

Covers the difference between your insurer’s payout (based on current value) and the original value (based on GAP Insurance start date)

Take a look at our GAP Insurance document

Confused? Not to worry, just enter your details and we’ll create the policy right for you. Easy.

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“Before I had the accident I couldn’t see the need for GAP Insurance, and something kept nagging me, so I took it out and I'm glad I did!”

Mr D Caller, Worthing

Where’s the GAP?

If you bought outright:

You are covered for the car's value at inception. As your vehicle depreciates over time the value of your GAP Insurance cover increases.

If you bought on finance:

Due to depreciation your insurer payout will be less than you owe the finance company - leaving you to pay the difference. GAP Insurance covers most early on, clearing any finance you owe in full.

Don’t worry about car write off loss.
For 24/7 peace of mind, get a quote now

Get a Gap Insurance Quote

Buy online and save 15%
using code Telegraph15

What our members say

“The appeal of MotorEasy is clear and simple. It looks after all the tedious, day-to-day aspects of car ownership, leaving you free to enjoy driving.”

Paul Hudson, Telegraph Motoring Editor

Other GAP Insurance benefits:

  • Up to £250 in Motor Insurance excesses covered
  • Optional extras and accessories covered*
  • European road trips for up to 30 days covered
  • Savings on MotorEasy maintenance and repairs
  • FREE MotorEasy account

*Where factory or dealer fitted

GAP Insurance Explained

Depreciation means cars lose value very quickly, so if your car is written off or stolen you can be out of pocket.

On average a car loses around 60 per cent of its value in three years (the typical length of a PCP).

So, if your new car costs £12,000 and three years later it was stolen or written off, you’d get just £4,800 from your insurer.

That’s not enough to buy the same car brand new and it’s unlikely to be enough to repay the remaining finance – due to balloon payments and interest on PCP deals.

GAP Insurance, also known as shortfall insurance, will cover the difference between what your insurer pays out and, depending on the type of policy, what you paid for the car or what you still owe on the car.

That’s why GAP Insurance focuses on new vehicles rather than older models as the rate of depreciation is much lower on a used car”.

Duncan McClure Fisher,
MotorEasy founder


Guaranteed Asset Protection (GAP Insurance), or shortfall insurance, protects you against financial loss if your vehicle has been declared a total loss or write off by your insurer.

If your car is involved in an accident, stolen or damage by flood or fire, and deemed a total loss, your comprehensive insurer will only pay you 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. This can be avoided with MotorEasy Gap insurance.

Cars less than 10 years old and with less than 100,000 miles recorded since new are eligible for Return to Value and Return to Invoice cover.

Cars and light commercial vans of less than 3,500KG in weight and with a recorded insured value of less than £75,000 qualify.

Cars/Vans must be listed in Glass's Guide, be to UK specification and not have been modified.

You can find your claim limit detailed on your quote or in your schedule document.


Return to Invoice (RTI) GAP cover is available for new or used cars purchased within the last 6 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.

As soon as you think the insured vehicle may be declared a total loss you should immediately review and proceed with the claims process found in your Policy Document (found in your MotorEasy account) before you accept any settlement offer from your motor insurer.