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Compare Gap insurance

Compare gap insurance is no longer available, but you may find direct providers of Gap Insurance by searching Quidco.

Compare gap car insurance illustration
Compare gap car insurance illustration

Compare over 100 providers to get a Gap insurance quote

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Enter your details (takes a couple of minutes). We’ll do the hard work, finding the quotes and prices suited to you.


Compare the prices from the car insurance providers you can trust, including Admiral, AA and Hastings Direct.

Get paid

Once you’ve chosen the car insurance for you, sit back and wait for your cashback to roll in. It’ll take under 90 days.

Why get a Gap insurance quote with Quidco Compare?

Not only can you save on your car insurance as you can with other comparison sites, but you’ll also make cashback on top. This way, you can make money while you save money.

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Gap car insurance

Getting a new car can be an extremely satisfying experience, but it’s worth doing your research before you drive away and enjoy that new car smell. Whenever a car is written off or stolen, your insurer will pay you what it’s worth at the time – and this is usually less than the price you bought it for.

This effect is most pronounced when you get a brand-new car because simply driving it off the forecourt devalues it. That’s where Gap insurance comes in.

On this page, you’ll learn everything you need to know about Gap car insurance, including how it works, what it’s for and the different types available.

What is gap insurance?

GAP insurance, or Guaranteed Asset Protection insurance, effectively bridges the gap between the price of your brand-new car and what the insurer would usually pay out should it be written off or stolen. Simply put, Gap insurance covers the difference between these two amounts, so you don’t lose money.

Vehicle replacement cover

This covers the difference between the current value of your car and the cost of replacing it with an identical model. If your car has become more expensive since you bought it, vehicle replacement cover ensures you don’t lose out.

Return to invoice

This covers the difference between the maximum amount your insurer will pay you, and the exact amount you paid for the car; i.e the price on the invoice.

Return to value

This pays the difference between the value of your car as its written off or stolen, and its value when you originally took out your Gap policy. Return to value insurance is aimed at second-hand buyers.


Our expert says

New cars are notorious for losing value as soon as they leave the dealer forecourt. Gap insurance stops you from being stung by depreciation should the worst happen, and your car is written off or stolen. Dealers may offer you Gap insurance when you buy the car, but make sure you shop around first." - Curtis Moldrich - Automotive Journalist 


How much is Gap insurance?

Gap insurance tends to be expensive because it’s almost always associated with brand new cars – or at least ones no more than seven years old. However, the make and model of the car you purchase Gap insurance with will make the most difference. Expensive cars are hit by depreciation harder than cheaper ones, and because they’re at risk of losing even more value, their Gap insurance costs are higher.

How can you make Gap insurance cheaper?

Voluntary excess

It’s possible to cut costs by upping your voluntary excess and agreeing to pay more before the insurance company pays the rest. However, while it may seem like a great idea to hike your voluntary excess up, remember that you may have to pay it one day – so make it affordable

Rethink the type of Gap insurance you need

Return to invoice policies tend to be cheaper, while vehicle replacement policies tend to be on the more expensive side. Before you purchase Gap insurance, double-check what your needs are and work out what type is best for you.

Compare and get cashback

By comparing insurance policies here, you could save money and earn £35 cashback


Do you need Gap insurance?

Gap insurance is predominantly associated with brand new cars due to the high levels of depreciation they experience, but it can be used with any car under seven years old. Older than that and insurers won’t consider the car new anymore.

What does Gap insurance pay for?

Gap insurance is designed to bridge the difference between the price an insurer will pay out for a vehicle and its value when new. Gap insurance is primarily aimed at new car buyers, because cars depreciate most just after rolling out of the dealership – but it can be purchased for any car less than seven years old.

Useful information

Please note: by clicking the “Get a quote” button, you consent to your details being transferred to up to five insurance providers. The insurance providers will contact you via telephone to discuss your policy.

Please note:

  • Cashback is only available for genuine quotes.
  • Cashback is limited to 3 quotes per person for each product per year. Abuse of this may lead to the termination of your Quidco account.
  • Any user found giving false details will have their Quidco account terminated.

When using the Compare service, you must take reasonable care to answer insurers questions fully and accurately and if you volunteer other information, you must take reasonable care to ensure that the information is not misleading. If any information that you have provided changes before you take out your insurance, during the life of the policy or at renewal you must inform the insurer or broker of the change. If you deliberately or carelessly misrepresent any information in relation to this insurance, then your policy may not pay all, or part, of a claim and could in certain circumstances be avoided altogether.

The comparison service for insurance accessed via Compare is provided by Quotezone, 100% independent UK insurance comparison. Quidco is a trading style of Quidco Ltd, who are an Introducer Appointed Representative of Seopa Ltd, trading as Quotezone, who are authorised and regulated by the FCA, number 313860. Quotezone run and operate the insurance comparison service. By using this system you are agreeing to our terms and conditions & privacy policy.

*Cashback rates - £2 per valid gap insurance purchase.