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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

Upto 75% cheaper than competitors

Upto 75% cheaper than competitors

Based on 10,911 Genuine Testimonials

Based on 10,911 Genuine Testimonials

Gap Insurance cover for accident, fire or theft

One question we are constantly asked is 'What circumstances can I claim on my Gap Insurance cover?'. Well in order to process a Gap Insurance claim on our products, we will need a situation to occur that leads to your motor insurer deeming the vehicle a 'total loss' following:

  • An accident - either 'fault' or 'nonfault'
  • Fire
  • Theft
Providing your motor insurer covers you for the replacement value of your vehicle following a 'write off' following any of these incidents, then your GapInsurance123 policy will allow you to proceed with your claim.

There are clear terms and conditions with any insurance policy when you could not make a claim, or a claim is likely to be rejected. With a GapInsurance123 policy, we can identify many of these by asking the question

"Does your motor insurer cover you for the event that leads to the loss of your vehicle?"

If the answer is 'yes' then on nearly every occasion your GapInsurance123 policy is valid to claim on. Examples of where the answer is 'no', or when your GapInsurance123 policy is not valid to claim on could be:

  • Drink Driving
  • Driving under the influence of drugs, either not prescribed by your Doctor or advised not to do so
  • Negligence
  • Vehicle uses not covered by your motor insurer, eg race, rally or 'hire and reward'*
*Please note we provide cover for 'hire and reward' if you have notified us as such, paid for this option to be added, and your motor insurer also covers you for this use.

So there you have it, your GapInsurance123 policy will provide you with cover if your vehicle is 'written off' as a total loss due to an accident, fire and theft.

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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