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Gap Insurance
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Do you need assistance to understand how Gap cover could work for you? Are looking for the best Gap Insurance quote?
It's as easy as 1-2-3! Click for a quote or call on 0800 195 4926 today!
UK Based Claims & Customer Service

UK Based Claims & Customer Service

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Underwritten by an "A" Rated Insurer

Protected by theFSCS

Protected by the
FSCS

Upto 75% cheaper than competitors

Upto 75% cheaper than competitors

Based on 10,911 Genuine Testimonials

Based on 10,911 Genuine Testimonials

Why Buy Lease Car Gap Insurance

What is lease car gap insurance? How does lease car gap insurance work? Why should you consider lease car gap insurance?

More importantly what can Lease Car Gap Insurance do for you?

Lease car gap insurance in most cases is exactly the same as standard levels of cover in that it can protect the invoice price you paid or the replacement cost. Lease car can mean a lot of things to a lot of different people. For some it means a style of personal contract for others it means a form of contract hire or lease purchase and when it comes to gap insurance how you purchased your car can limit the number of gap insurance options you have open to you.

So before you look at any level of lease car gap insurance you will need to know if you have the option to own your car at the end of the lease or are you forced to hand the vehicle back with no option to own the car?

So why is ownership important when you buy lease car gap insurance?

If you can own the car at the end of the lease then in the eyes of insurance guidelines you can protect yourself against a financial loss which would arise from your car no longer being there. So in brief you can choose a type of lease car gap insurance to protect either the invoice price or vehicle replacement cost.

If you can never own the car at the end of the contract you can never benefit from it no longer being there as it was never yours to protect. In brief this means that you can not protect the invoice price with return to invoice gap insurance or vehicle replacement.

Ok so we now know that you can not own the vehicle at the end of the contract and if it is never yours to protect why should you need lease car gap insurance?

Did you know that if your lease vehicle is written off you are liable for any shortfall between your cars value and the outstanding finance on the day it was written off. This can be thousands and thousands of pounds. Standard contract hire / lease car gap insurance would settle this for you leaving you with no other liability to your old car.

So to recap if you can own your lease car at the end of the contract why not consider return to invoice or vehicle replacement gap insurance. If you can not own the car at the end of the contract why not consider finance / contract hire lease car gap insurance.

Absolutely amazing. Simple, straightforward and easy to get a quote. I wish I used this provider for my last car, I would have saved over £200.
5 out of 5
Mr Stephen Mackay
Excellent - good choice of cover - great price - clear English and documents sent straight to my email address. I tried 3 quote engines or at least what I thought were quote engines and was told I'd get a call back with the quote -- it never happened. Very pleased.
5 out of 5
Mrs Tracey Collen
After researching various different outlets I chose GAP Insurance 123 as it appears to give the best value for money, just hope I never have to claim on the cover I have taken out.
5 out of 5
Mr Frank Wilson
I was nervous about finding GAP insurance for my self but when the dealer I bought my used car from wanted over £350 for GAP I looked around and got cover from gapinsurance123 for less than half the price. Great website with explanations of what the different types of GAP cover helying you to decide which is the most suitable product for you.
5 out of 5
Mr Nicholas Joel Hancock
Very simple process, terms and conditions clear and easy to understand. Saved 60% of the premium Dealer was offering. Well Recommended
5 out of 5
Mr david shuttleworth
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