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What happens to your gap insurance policy when you change your car?


We hope that you enjoy your new car, but lifestyles and circumstances change and when they do it is important to know what happens to your Gap Inurance policy. 


We want your policy to be fit for purpose which means that should you ever need to make a claim that it does exactly what you expect.

This means that if you change your car you may be able to simply transfer the remainder of your cover free of charge to your next eligible vehicle. Your policy allows for one free of charge transfer. Subsquent transfers are chargable.


Just like when you purchased your current policy there will be eligibility criteria that your new vehicle will have to adhere to.

  1. That you have purchased your vehicle from a VAT registered garage or main dealership
  2. That is is under a 10 years of age ( 4 years for vehicle replacement ) 
  3. That is has less than 100,000 mils on the clock
  4. That you have purchased your car within the last 90 days
  5. That your vehicle is not on the excluded vehicle list
  6. That it cost the same amount ( price bandings apply ) * For a full list of terms and conditions please see your policy documents 

Please remember that your gap insurance policy stays with you and is not transferred to the new owner. 


Alternitivly if you have not made a claim you may be able to cancel your policy and receive a pro rate refund less an administration fee.  We would also bring to your attention that you can not extend your policy so if you transfer your policy it will only ever run for the original period of time. 


Which option is best and most cost efficient for you will depend on what you have bought and when you have purchased it. 


So yes you may be able to transfer your policy but depending on what you have purchased it may not be the best long term option.