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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

Will your Gap Insurance Policy cover you if your car is stolen?

This is a question that we are often asked and an important aspect to think about before you buy any form of Gap Insurance?

Unfortunately, it is not an easy question to answer.

The reason is that yes, your gap insurance policy will and no it won't as it will depend on the circumstances!

The problem is that just like your own insurance company if your car is stolen as a direct result of your negligence then no, unfortunately, your gap insurance policy will not be able to cover you. Don't forget that in order for your gap insurance policy to settle your own insurance company have to agree to also.

For example, if you left your keys in the ignition of your new car, with the door open and decided to take a walk to return two hours later and find your car stolen. your own insurance company would class that as negligent and therefore would not be able to pay. Another example we have heard of unfortunately unlike the slightly exasperated illustration above is actually a true story.

An Elderly gentleman was putting some new diesel in his car. (His car had the type of petrol cap release system which is operated from inside the car.) He finished fueling and then joined the queue to pay. He had left the keys in the ignition and a few minutes later an opportunist thief drove off in his new pride and joy.

This scenario genuinely does happen, not often but it happens.

If however someone broke into your house, or took your keys without your permission and then subsequently stole your car, your own insurance company would take the view that you had taken all due care and attention and settle and therefore we would follow suit.

This term is sometimes called by insurance companies "give indemnity" and if you read your policy you will see that it mentions that providing your own insurance company give you indemnity for the claim then we will too.

Simply put this means that whatever the circumstances of your car being written off. No matter if it was stolen with the keys or without, no matter if it was your fault or not, providing that your own motor insurance company are happy to settle then your gap insurance policy will too.

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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