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Ford GAP Insurance Options in the UK - Protecting Your Investment with GAPInsurance123
We need to let you know that we are not affiliated with Ford or any manufacturer and are proud to be completely independent.
When buying a Ford car or commercial vehicle in the UK, you're met with a range of fantastic options. Ford Motor Company has a long history in the UK, founded in 1909. From the iconic Ford Fiesta to the versatile Ford Kuga and the spacious Ford Galaxy, Ford vehicles are known for their value for money and impressive specifications.
For the majority of years in the UK market, Ford has been the highest-selling vehicle manufacturer in the country.
With the brand's popularity in the UK, many buyers look to cover their financial investment in their Ford car or commercial. Here we provide you with details on your GAP Insurance options for Ford.
GAP Insurance Options from GAPInsurance123
The Advantages of Choosing GAPInsurance123
Choosing the Right GAP Insurance for Your Ford
History - Ford in the UK
Ford has a rich history in the UK, with a legacy of delivering quality vehicles to British drivers. Over the years, Ford has achieved significant milestones and become synonymous with reliability and innovation.
From introducing the assembly line process to launching iconic models like the Ford Escort, Ford Focus and Ford Mondeo, the brand has cemented its place in the hearts of UK car enthusiasts. 
Today, Ford continues to uphold its commitment to providing vehicles with exceptional value for money, advanced technology, and impressive performance.
2023 Ford Lineup in the UK
Ford's current lineup in the UK showcases a diverse range of vehicles designed to cater to different needs and preferences. Let's take a closer look at some popular models:
Ford Fiesta
The Ford Fiesta is a compact, handy car with a fun and engaging driving experience. With its stylish design, advanced safety features, and efficient engines, the Fiesta is popular among city dwellers and those seeking an agile and practical vehicle.
Ford plans to end production of the Fiesta later in 2023.
Ford Focus
The Ford Focus is a versatile family car that combines comfort, space, and advanced technology. With its sleek exterior, well-appointed interior, and efficient engines, the Focus balances performance and practicality for everyday driving.
Ford has confirmed the production of the model will end in Europe in 2025.
Ford Puma
A compact SUV designed for urban living. Mild hybrid technology is available to allow for economical and efficient driving. Well regarded by the motoring press experts, with Parkers voting it the Best Small Family Car of the Year in 2023.
The Ford Puma is amongst the best-selling cars in the UK.
Ford Kuga
The Ford Kuga is an excellent option for those needing a capable SUV. The Kuga is well-suited for urban and rural excursions with its rugged yet refined design, spacious cabin, and advanced safety features.
GAP Insurance Options from GAPInsurance123
At GAPInsurance123, we understand the importance of protecting yourself against unexpected losses and costs following a total loss. This is where your motor insurer declares the vehicle a write-off after it has been stolen, in an accident, set on fire or suffered a flood.
That's why we offer a range of comprehensive GAP Insurance options designed for Ford vehicles.
Here are the options available:
Lease & Contract Hire GAP Insurance
Lease GAP Insurance covers the difference between the motor insurer vehicle market value settlement and the outstanding lease settlement.
GAPInsurance123 can also provide an additional option for Deposit Protection. This is so you can claim back the advanced rental you put down at the start of the agreement. This can then be used as a deposit for your next lease agreement.
Combination Return to Invoice
Combination Return to Invoice GAP Insurance covers the difference between the vehicle market value and the original invoice price or the outstanding finance settlement, whichever is higher.
This option provides additional financial security by protecting your initial investment in the vehicle. RTI GAP Insurance is usually the type of GAP coverage offered by your Ford agent.
Back to Invoice GAP suits new and used vehicles bought through dealer finance, a personal loan or a cash purchase.
Combined Vehicle Replacement Insurance
Combined Vehicle Replacement Insurance bridges the gap between the vehicle market value and the cost of replacing the vehicle with an equivalent model or the finance settlement, whichever is higher.
This option ensures you can get back on the road with a comparable replacement vehicle in case of a write-off.
This type of GAP cover is ideal for a new car, where you have a good discount, and the equivalent new Ford will be more expensive in the future.
Agreed Value GAP Insurance
Agreed Value GAP Insurance covers the difference between your vehicle's market value and the Glass's Guide Retail value at the time you bought the GAP cover.
This option is ideal if you've purchased your Ford privately or have owned it for more than 180 days, ensuring that you maintain adequate coverage that aligns with your vehicle's actual value.
The Advantages of Choosing GAPInsurance123
When it comes to protecting your Ford with GAP Insurance (also known as Guaranteed Asset Protection), there are several advantages to choosing GAPInsurance123: 
Cost Savings
By opting for GAP Insurance from GAPInsurance123, you can save up to 85% compared to the cost of main dealership policies. We believe in providing affordable and competitive coverage options without compromising on the quality of protection you receive.
Key savings can be found by paying the standard rate of Insurance Premium Tax (12%) rather than the higher rate of IPT paid on dealer products (20%).
The smaller volume of GAP sales in a motor dealer (they can only sell products to someone they sell a vehicle to) means they may have much larger commission expectations than an online insurance broker.
Brands like GAPInsurance123 sell high volumes of products but at a lower commission level. GAPInsurance123 can sell products to any eligible vehicle owner.
Increased Choice and Flexibility
New Ford owners may often be offered one GAP policy choice from one insurance company or GAP insurer at your dealership. At GAPInsurance123, we have a range of products. We also have access to other GAP products from different insurers through our sister websites at TotalLossGap.co.uk, Shortfall.co.uk and EasyGap.co.uk.
Choosing the Right GAP Insurance for Your Ford
With the variety of GAP Insurance options available, it's essential to consider your specific needs and preferences. Here are some questions to help you determine the most suitable policy for your Ford:
Paying the Difference
Do you want your GAP Insurance policy to cover the difference between your Ford's valuation and the price you originally paid for your new vehicle?
Answer - Return to Invoice GAP
Contract Hire or Lease
If you obtained your Ford through a contract hire or lease scheme where you don't own the vehicle, then you return it at the end. In this case, if the car is written off, your only potential liability is to pay off the lease.
Your motor insurer may only cover the car's market value at the time of your claim. Any shortfall between that figure and the outstanding lease settlement is yours to make up for.
Answer - Lease & Contract Hire GAP
Replacement Cost Coverage
Do you believe the cost of replacing your Ford in the future may be more expensive that the price you paid first time around? Have you secured a heavy discount on your new car purchase? Have you bought a model that will be updated in the near future?
All these reasons may mean a Return to Invoice GAP may not provide enough to replace you vehicle with an equivalent one on the future.
Answer -Vehicle Replacement GAP
Start Protecting Your Ford Today
As you embark on your journey with your Ford vehicle, it's crucial to consider the financial protection GAP Insurance provides.
With GAPInsurance123, you can confidently safeguard your investment against the uncertainties of life. Our range of GAP Insurance options, available for eligible Ford vehicles, offers comprehensive coverage at affordable prices.
Whether you opt for Lease GAP Insurance, Combination Return to Invoice, Combined Vehicle Replacement Insurance, or Agreed Value GAP Insurance, you can trust us to deliver feature-rich cover and exceptional value for money.
FAQs - Ford GAP Insurance Options
What is GAP Insurance?
GAP Insurance is a type of coverage that protects you financially if your vehicle is declared a total loss or written off. This is following an incident of theft, accident, fire or flood.
It covers the difference between your vehicle's market value and the amount you owed on your finance agreement, the original purchase price, the replacement cost or the value when you bought the policy, depending on the type of policy you choose.
The 'gap' covered is created by the vehicle's depreciation over the time of your ownership.
Why do I need GAP Insurance for my Ford?
While comprehensive car insurance covers the market value of your vehicle, it may not be enough to settle your outstanding finance or recover the original purchase price. GAP Insurance ensures you're not left with a financial burden if your Ford is written off, providing peace of mind and protecting your investment.
Are all GAP Insurance policies the same?
No, GAP Insurance policies can vary in terms of coverage and price. At GAPInsurance123, we offer a range of options tailored specifically for Ford vehicles, providing flexibility and the ability to choose the level of protection that best suits your needs.
Can I purchase GAP Insurance for a used Ford?
You can purchase GAP Insurance for new and used Ford vehicles. Whether you've just bought a brand-new model or have owned your Ford for some time, GAPInsurance123 has options to ensure you're adequately protected.
How do I get a quote for Ford GAP Insurance? 
Obtaining a quote for GAP Insurance for Ford from GAPInsurance123 is easy. Visit our website or call our dedicated team at 0800 195 4926. We'll guide you through the process and provide a personalised quote based on your requirements.
Can I cancel my GAP Insurance policy if I no longer need it?
You can cancel your GAP Insurance policy if you no longer require coverage. We offer a cooling-off period, allowing you to cancel within a specified timeframe. However, please note that terms and conditions may apply, so it's best to review your policy details or contact us for further information.
What happens if I trade in my Ford for another vehicle?
If you trade in your Ford for another vehicle, you can transfer your GAP Insurance policy to the new car, subject to eligibility and terms. It's essential to notify us as soon as possible so that we can guide you through the necessary steps to ensure continued coverage.
Is GAP Insurance the same as an extended warranty?
No, GAP Insurance and extended warranty are different types of coverage. GAP Insurance covers the financial gap between your vehicle's value and the amount owed or the original purchase price. At the same time, an extended warranty provides additional coverage for mechanical and electrical breakdowns beyond the manufacturer's warranty.
Can I purchase GAP Insurance from any provider?
While there are various providers of GAP Insurance, choosing a reputable and reliable provider like GAPInsurance123 is crucial. We specialise in providing tailored coverage options for Ford vehicles, ensuring you receive the quality protection you deserve.
Is Ford GAP Insurance worth it?
When buying a new or used Ford from a franchised dealer, part of the sales process will see a Ford GAP Insurance quote being provided. With the rules of the FCA in place, you should be offered the opportunity to compare GAP Insurance quotes available in the open market.
Buying GAP Insurance direct from your dealer is convenient, undoubtedly. However, the premium is also expected to be much more expensive than what you can find with an online provider.
Whether Ford GAP Insurance is worth it, or even if GAP cover is worth it from anyone else, is a choice for you to make.
Remember, if you have any specific questions or concerns regarding Ford GAP Insurance or our coverage options, don't hesitate to contact our knowledgeable team. We're here to assist you and help you make an informed decision to protect your Ford.
Please note: GAP insurance products from GAPInsurance123 are not officially endorsed by Ford and are unavailable from Ford showrooms. Any GAPInsurance123 branded product can only be purchased from the official GAPInsurance123.co.uk website.
If you want an endorsed Ford GAP Insurance quote, please get in touch with your local dealer.
Updated 29/5/23, written by Mark Griffiths
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