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0800 195 4926

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Customer Service Lines Open Mon-Fri 9am-6pm ,

0800 195 4926

Customer Service Lines Open Mon-Fri 9am-6pm

Closed Saturday & Sunday & Bank Holidays

Buy GAP Insurance 123
Today UK Based Call & Claims Teams 

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All of Our Policies 
are covered by The Financial  Ombudsman Service

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Tyre & Alloy Wheel Insurance  
No Waiting Period & No Excess T&C Apply

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Policies Backed by the
Financial Services Compensation Scheme  

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Cover for damage up to 30cm  
Scratch & Dent  & Alloy Wheel Insurance 

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Exceeding customer service expectations for over a decade. 

Aequitas was formed by with one goal in mind. To be different. We had motor trade experience, (a senior management cumulative of over 60 years) we had finance and insurance experience. We had also experienced firsthand the constraints of a large organization and the sometimes-unbearable pressures that a target driven system could bring.


So we decided that we would start in a different way and instead of starting with us at the head of the organization we would start with you. You who are many tens of thousands of customers, policy holders and website visitors. We put you and the way in which you look for, buy and claim gap insurance front and center at the very heart of everything we do.


You will be pleased to know that

  • None of our team are commission based, instead any bonus's they get are based on rates of customer service. 
    • We feel that this is important as being brutally honest it is in our teams’ financial interests to make sure that you are 100% satisfied with the way in which you are treated no matter if that is an address change or quotation. 
  • We do not offer discount codes or cash backs instead we only ever offer you our best price first time to everyone.
    • We know that some people do and that is fine. We think however that it is unfair to people who are not a member of a certain club or internet savvy. 
  • We never haggle over price on the telephone instead we think it is better to offer our best price first time to everyone.
    • We think that haggling is fundamentally wrong as it can discriminate against customers who are not confident enough to call. After all, if we can provide a policy at a discounted price to one customer it should be available to everyone.
  • We do not charge administration fees for address and registration number changes
    • Yes, there is a monetary cost involved to us in dealing with your request, however we believe that this is offset by having the correct and up to date information which our claims team would need should you ever need to make a claim. 
  • You can transfer your policy to your next eligible vehicle free of charge * Terms and conditions apply
    • Things change and it is in our interests to make sure that when they do that your policy is fit for purpose.
  • If you buy a policy and would like hard copies via Royal Mail, simply let us know.
    • Some people like hard copies of documents and that is fine we are all different. Yes, there is a cost but again we believe that this is a cost worth paying to make sure that policy holders have access to their documents in a format that they are happy and comfortable with.
  • Documents are emailed within minutes of your purchase
    • We want you to have your documents as soon as possible and have the facility to have 24-hour access via your online account.

We are also proud to be able to confirm that your policy covered by the FSCS and is underwritten by an "A" rated insurer, who are UK Based.


You tell us that you appreciate this no-nonsense approach via your feedback and comments.


Since 2011 when Gap Insurance 123 was first launched we have received many thousands of 5-star reviews. We would like to say that they where all 5 star but they where not. We averaged 4.8-4.9%. Which is in our view excellent but as always there was room for improvement. The feedback was invaluable and we used it to help shape the way in which our systems work and the way in which certain procedures are performed.


To begin with we used Ekomi to verify our reviews. They are a completely independent company would contact customers and policy holders and asked to review their experiance. This meant that we could not manipulate or change them instead simply respond. In 2019 we changed review companies as part of our group strategies and moved to Feefo this meant that while the existing reviews had been verified, we were no longer able to display them via the Ekomi system. 


Feefo may send you a brief request for a review all we would ask is that, if possible, you respond with honest feedback. We are not perfect and while we think perfection does not exist, we will always try to make sure that we exceed your expectations in levels of service. The way in which we answer the telephone, deal with you question, the speed at which we respond we all think is important. We also know that it is only by listening to you are policy holders and website visitors that we can succeed. 


So, thank you for your support over the last 10 years and we wish you many happy years of motoring.