Warranty Direct uses site performance, anonymous analytical and targeting advertising cookies on this site. By accepting, you are agreeing to the use of these cookies. See our cookie policy for more information and how to block them if you wish. Blocking cookies may mean you experience reduced functionality.

Accept

Gap Insurance Products

  • Vehicle Replacement
    Gap Cover Insurance

    Available for new vehicles, including pre-registered or ex-demonstration vehicles, bought from a dealership under 3 months old and with less than 1000 recorded miles.

    Policy Duration – Cover is available for 1, 2, 3 or 4 year periods.

    Maximum vehicle value - £80,000

    Maximum Claim Limit - £30,000

    The cover provided pays, in the event your car is stolen and not recovered or written off in an accident causing your motor insurer to make a "total loss" payment, the difference between what the motor insurer pays and the cost of a replacement vehicle of the same make, model and specification, up to a maximum of 25% over the original net invoice price. This is even if manufacturer’s prices have increased since your original car was purchased.

    If a replacement vehicle matching the make, model, age, mileage, specification and overall condition of the insured vehicle at the start date is not in production or available to buy from that manufacturer or their dealer network, we will pay you the difference between the motor insurance settlement and the original invoice price plus inflation of 2.5% per year or part year between the policy start date and the date of total loss, as shown below.

    Time since policy purchase Maximum inflation
    Up to 1 year 2.5%
    1 – 2 years 5%
    2 – 3 years 7.5%
    3 – 4 years 10%
  • Return to Invoice
    GAP Cover Insurance

    Available for new cars and used cars, bought from a dealership and owned for less than 3 months.

    Used cars must be under 10 yrs old and under 120,000 miles

    Policy Duration – Cover is available for 1, 2, 3 or 4 year periods.

    Maximum vehicle value - £80,000

    Maximum Claim Limit - £30,000

    The claim limit is £30,000 or the invoice price of the car when you purchase GAP Cover insurance, whichever is the lower amount.

    The cover provided pays, in the event your car is stolen and not recovered or written off in an accident causing your motor insurer to make a "total loss" payment, the difference between what the motor insurer pays and the original invoice price you paid for your car.

  • Return to Value
    GAP Cover Insurance

    Available for cars bought from a dealership and owned for more than 3 months, or cars bought privately.

    Car must be under 10 yrs old & under 120,000 miles

    Policy duration – Cover is available for a 1, 2 , 3 or 4 year period

    Current vehicle value taken from Glass’s Guide or other reputable vehicle valuation guides.

    Maximum vehicle value - £80,000

    Maximum Claim Limit - £30,000

    The claim limit is £30,000 or recorded value of the car when you purchase GAP Cover insurance, whichever is the lower amount.

    The cover provided pays, in the event your car is stolen and not recovered or written off in an accident causing your motor insurer to make a "total loss" payment, the difference between what the motor insurer pays and the value of your car when you took out our GAP cover.