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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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The Financial Ombudsman is an independent organisation that mediates between providers of financial services and the policy or account holders. 


At Gap Insurance 123 we try really hard to make sure that all of our customers have the service and back up that they need.


We honestly believe that a good and easily understood analogy for any financial service is that it should be just like a tin of baked beans. You know when you buy a tin of beans exactly what is inside. You never actually need to open the tin, but when you do there are no surprises and you get exactly what you expected. Nothing more and nothing less.


As such we make every effort to make sure that any policy you buy from us is just the same. You know exactly what you are getting and the moment you have to make a claim it is handled, dealt with and settled exactly as you expected. But we are human and as robust as our systems and procedures are things can go wrong. When they do we have a complaints procedure.


If once you have made a complaint and received your final response if you are still not happy with the outcome of your complaint you may have the right to refer the matter to the Ombudsman.


The Financial Ombudsman was set up by parliament in 2001 and their legal powers are listed in Part XVI & schedule 17 of the Financial Services and Markets Act 2000. Even thought they follow the guidance given in the Financial Conduct Authorities handbook they are completely separate. 


The Ombudsman website states If a financial business and a customer can’t resolve a complaint themselves, we’ll give an unbiased answer about what has happened. If we decide someone has been treated unfairly, we’ll use our legal powers to put things right. *

The Ombudsman Service has some useful information about how they handle complaints regarding gap insurance. For more information please visit They will look at your complaint impartially and decide what action is to be taken. This could be arrange of measures which could include but is not limited to, telling the insurer what they need to do to put things right....

  • refunding your premiums 
  • settling your claim. 


information taken from 09/09/2021.