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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?
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Upto 75% cheaper than competitors

Upto 75% cheaper than competitors

Based on 10,911 Genuine Testimonials

Based on 10,911 Genuine Testimonials

Why is 180 days significant with Gap Insurance

If you are looking for Gap Insurance, then you will often see an 180-day limit associated with the purchase of the policy. What exactly is this limit, and how does it affect you?

Gap Insurance and 180 days


Well, Gap Insurance of any kind is linked to the purchase of a vehicle. Depending on the type of purchase, this may have been from a motor dealer or from an auction or private sale. If the vehicle purchase was through a VAT registered motor dealer, then you could look at a few different types of Gap Insurance to protect you. A couple of these, being Return to Invoice and Vehicle Replacement Insurance, must be purchased within 180 days of the purchase of you new vehicle from a motor dealer. So if your vehicle was purchased within the last six months (roughly), then you could still purchase RTI or VRI Gap Insurance.

We do provide two other types of Gap Insurance that do not have the 180-day gap insurance purchase limit. These policies would be Agreed Value Gap Insurance and Finance Gap Insurance cover.

You can protect the vehicle value as defined by the Glass' Guide Retail Value, at any point of ownership with Agreed Value Gap. If you have a hire purchase style finance agreement or a lease like a contract hire agreement, then you can take a finance gap policy at any point.

Many Gap Insurance policies will have time limits set on the policy terms. Typically from a motor dealer, you may not be able to take Gap Insurance is you drive away from the showroom in your new car. Some dealers allow you a short time frame after the vehicle purchase, perhaps 30 or 45 days.

Most online suppliers will allow you a longer period of grace, up to 90 days, with GapInsurance123, and our sister site EasyGap.co.uk, allowing up to 180 days.

Remember that if you decide to leave your Gap Insurance purchase until near the 180-day limit, you are running the risk of using a depreciating asset without any gap cover. However for people who have simply forgotten to get cover, or did not even know about guaranteed asset protection, it gives some leeway in order to get cover.

Gap Insurance outside 180 days



It is still possible to get gap cover outside the limit, but clearly this does mean you have a smaller choice by excluding RTI and VRI Gap protection.

If you are unsure whether you are within the permissible 180-day limit, simply give us a ring at GapInsurance123, and we are more than happy to check for you.
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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