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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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UK Based Claims & Customer Service

UK Based Claims & Customer Service

Underwritten by an

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

Compare Return to Invoice and Vehicle Replacement Gap Insurance


What are the basic differences between Return to Invoice Gap Insurance and Vehicle Replacement Insurance?

Combined Return to Invoice - will cover between the vehicle market value (at the point of total loss) and the original invoice price you paid. (Please note the GapInsurance RTI policy is a 'combined' cover, so will actually clear your finance settlement if that figure is higher than your original invoice price)

Combined Vehicle Replacement Insurance*
- will cover between the vehicle market value (at the point of total loss) and the cost of replacing the vehicle with same model, age, mileage and specification as the one you originally bought. This price is covered even if the replacement cost if higher than the original price you paid. (Please note the GapInsurance VRI policy is a 'combined' cover, so will actually clear your finance settlement if that figure is higher than your original invoice price)


So lets look at an example of how these two types of Gap Insurance would perform in a certain situation.

 
Compare RTI Gap & VRI Gap Insurance
  RTI Gap Insurance VRI Gap Insurance
Clears Finance Yes Yes
Back to Invoice Yes No*
Cover Replacement cost No Yes
Features and suitability :-    
Cash Purchases Yes Yes
Contract Hire leases No No
Hire Purchase Yes Yes
Motor Insurance Excess contribution Yes £250 Yes £250
Dealer Fitted Options covered Yes £1500 Yes £1500
Transferrable Yes Yes
Cancellable Yes Yes
Deferrable Yes Yes
Covers Paint Protection cost Yes Yes
Maximum Length of cover 5 years 5 years


With GapInsurance123 these policies are available for cars, LCV's and Vans, Motorhomes, Motorbikes, Taxi's and Driving School vehicles.

* Please note that from January 2015 the GapInsurance123 Vehicle Replacement Gap Insurance will cover from your motor insurers settlement and the higher of
  • The oustanding finance settlement
  • The original net invoice price paid
  • The cost of the equivalent, replacement vehicle matching the age, mileage and specification of the vehicle when you first bought it
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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