Subaru GAP Insurance

Subaru has been selling cars in Britain since the 1970s, and an Impreza still loses value the moment it leaves the forecourt. Subaru GAP insurance, arranged by Insureworks and underwritten by specialist insurers, may help reduce the financial impact of that depreciation.

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Subaru GAP Insurance Explained

May help protect the price you paid for your Subaru, rather than what it is worth on the day of a claim.
Available on Subaru cars up to ten years old, bought within the last 180 days, priced from £5,000.
Cash, PCP, hire purchase or lease. Cover may be arranged whichever route you took to the keys.
Once a Subaru GAP claim is accepted, settlement follows the policy terms and the insurer's process.

Subaru Models Our Insurers Can Cover

Subaru has been selling cars in Britain since the 1970s, and our insurers can offer Subaru GAP insurance from the Impreza and XV to the Forester, Outback and the electric Solterra. Whether you paid in full, chose PCP, signed a lease agreement or found a used Subaru with a few miles already behind it, we can help you compare cover.

GAP insurance doesn’t care if you’re leasing. We can still arrange cover. A write-off could leave you with more than an empty driveway. If you’re comparing Subaru GAP coverage lease options, our insurers may be able to help cover the shortfall between your motor insurance payout and the amount still due under your lease agreement. Get a Subaru GAP insurance quote to check what may be available.

No sign of your model below? We’ve picked out the names most familiar to UK drivers and squeezed them into five boxes, but our insurers may cover plenty of others, subject to the policy terms and eligibility criteria.

New

Used

Petrol

Diesel

Hybrids

Electric

Subaru Impreza

The hatchback the brand made its name with, carrying a following built on years of rally history.

Subaru XV, Crosstrek

Compact crossovers with four-wheel drive as standard, bought by drivers who wanted the grip.

Subaru Forester

The family SUV, built for school runs, towing and drivers who use the four-wheel drive.

Subaru Outback

The raised estate, popular with drivers who wanted SUV ability without the SUV shape.

Subaru Solterra

Subaru's fully electric SUV, wearing the same badge with the engine noise taken out.

Choose The Right Subaru GAP Insurance For You

Whether your Subaru is a brand-new Outback or an Impreza that has already covered a few thousand miles, our insurance providers may have an RTI GAP option available. Following an accepted total-loss claim, it could help reduce the financial difference between your motor insurer’s settlement and the original invoice price, subject to the policy terms and claim limit. Which policy suits you depends on how you bought the car.

New & Used

New plate, or a few winters in?

Depreciation affects new and used cars alike, so GAP could help protect the price you paid. Cover is available on vehicles up to ten years old, bought within the last 180 days, priced from £5,000.

Petrol & Diesel

Petrol and diesel, four wheels driven.

GAP could help reduce the financial impact if an eligible vehicle is written off or stolen, subject to the policy terms and the claim limit shown in your schedule. Subaru is rated non-prestige by the underwriter.

Hybrids

Battery helps, boxer engine stays.

For hybrid versions of models such as the Forester and XV, Subaru GAP insurance could help protect the eligible invoice price paid for the vehicle, subject to the terms and limits set out in your policy.

Fully Electric

Solterra, same badge, no engine.

GAP could help cover an eligible difference between your insurer's settlement and the original invoice price. On PCP and cash purchases, electric vehicles are covered up to a £50,000 price. Lease and contract hire have no such restriction.

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Blue Subaru Forester parked in woodland with a family and their dog

GAP Insurance for Subaru

Subaru has been selling cars in Britain since the 1970s, and whichever Subaru ends up on your driveway, it shares one thing with every other car on the road: depreciation. A car bought new can be worth noticeably less within a year, and a standard motor policy pays the market value on the day of the claim rather than the price on the invoice. Subaru GAP insurance is designed to help with that difference, subject to the terms, conditions, exclusions and limits of the policy, and to the claim limit shown in your schedule.

Blue Subaru Forester on a forest track beside a loch

Why Use Insureworks To Arrange Subaru GAP Insurance

Insureworks arranges Subaru GAP cover underwritten by specialist insurers, and the eligibility rules sit on the page rather than buried in a document. Your Subaru needs to be under ten years old, bought within the last 180 days, and invoiced between £5,000 and £125,000. Electric models are covered to £50,000 on PCP and cash purchases. Vehicles previously declared a total loss, and vehicles on motor trade insurance, are not eligible at all. This page is information, not advice, and no assessment of suitability is made here.

How Subaru GAP Insurance Works

Your Subaru is written off or stolen, and it is time to make a Subaru GAP insurance claim on the policy.
Your motor insurer pays the market value, which is what the car is worth today rather than what you paid.
If your Subaru GAP claim is accepted, GAP may top that up towards the agreed level, depending on the policy terms.
You get back on the road. The payout may help you replace the Subaru or clear the outstanding finance agreement.

GAP Insurance Expert

Nick Rinylo

We’ve poured our hearts into creating a selection of car GAP Insurance providers that offer transparent, tech-driven, and family-focused cover. We’re here to arrange protection for your finances and your peace of mind.

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Subaru GAP Insurance FAQs

We know you might have questions, here are the four we hear at Insureworks all the time.

GAP is not a legal requirement, but drivers often consider it when leasing. If a leased Subaru is written off or stolen, there may still be an amount due under the finance agreement after your motor insurer has paid out. GAP may help cover some or all of that shortfall, depending on the policy terms. Contract hire and lease agreements also carry no electric vehicle price restriction.

Your Subaru needs to be no more than ten years old when you apply, bought within the last 180 days, with an invoice price between £5,000 and £125,000. An electric Solterra is covered up to £50,000 on PCP and cash purchases. Cars previously written off, and vehicles on motor trade insurance, are not eligible. There is no mileage limit. Vehicles used as taxis, for driving lessons, hire, courier work, racing or off-road driving are also excluded.

No. Subaru is rated non-prestige by the underwriter, which is the lower of the two pricing tiers, so a Subaru costs less to cover than a car from a prestige make. Electric models are rated separately and carry the £50,000 vehicle price limit on PCP and cash purchases.

If your Subaru is stolen or written off, GAP insurance may help cover some or all of the difference between your motor insurer’s payout and what you originally paid, or what you still owe on finance. What applies to you is set by the policy terms and the claim limit shown in your schedule, so both are worth reading before you buy. If your motor insurer does not settle the claim, the GAP policy will not pay out either.