GAP Insurance Quotes

Yeeeah, your car has depreciated faster than its 0-60 time… But at least it looks cool. Learn about GAP Insurance, arranged by Insureworks, which may help reduce the financial impact if the worst happens. That means you'll be ready to race.

Get Your Free GAP Quote It only takes a few minutes

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No hidden fees

Bought GAP insurance for my Audi A3 and the whole experience felt like it had been designed with the customer in mind. Everything was laid out clearly, the options were easy to compare, and there was no unnecessary faff at any stage.

Jason C

I needed GAP insurance for my new Land Rover Velar but the dealer wasn’t able to offer cover. I found Insureworks online instead and it was really straightforward to get it arranged. The quote and buy journey was simple and I was able to set everything up quickly. Very happy.

Hannah W

I bought GAP insurance for my BMW iX3 for 4 years to match my PCP term. We’ve had to use GAP insurance previously (my husband needed it), so I didn’t want to take the risk of being without it this time.

Lucy C

4.3

Our GAP Insurance Benefits

Worry less: protect finances against depreciation pitfalls
Stay calm: we arrange your car GAP insurance needs
Accepted claims are settled as quickly as possible by the insurer
Cover arranged by Insureworks that may help reduce the financial impact if your car is written off or stolen.

A pink BMW driving on a country road with green fields and clear blue sky in the background.

Keep your investment safe and your peace of mind intact

You’ve just invested a sizeable chunk of cash into your dream car. But that could lead to several concerns. What if something unexpected happens?

That’s exactly why we’re here. GAP Insurance policies arranged by Insureworks and underwritten by specialist insurers usually cover the difference between your car’s depreciated value and the amount you originally paid. If your car is written off or stolen and not recovered, GAP may cover the financial shortfall.

Looking for GAP Insurance? Get a GAP Insurance quote from us and learn more about the features and benefits.

A purple Mercedes-Benz SUV driving along a rural road on a sunny day, with green fields and blue sky in the background.

Why GAP Insurance Matters

We know how it goes: as soon as you drive that beauty for the first time, depreciation sets in. If your car is written off or stolen, standard car insurance typically pays out only the car’s current market value. This is often much less than you originally paid (or owe). That’s where GAP Insurance may step in, covering that “gap” so you’re not left juggling debt.

Typical depreciation: High-value cars can lose 10–20% of their value in the first few months.
Finance vs. Market Value: If you still owe more than the car’s worth, GAP insurance may cover the shortfall, depending on the policy.

GAP insurance policies arranged by Insureworks means you can get on with the driving, knowing your GAP may protect you from depreciation-related shortfalls.

The GAP Insurance Process and Experience

We’ve been in the insurance business for a decade, watching car values yo-yo and helping customers stay on top of it all.
Our crew ranges from petrol heads to finance gurus, each focused on making the process clear and straightforward.
We’ve been there ourselves with high-value cars. We understand the excitement, and the nerves. That’s why we focus on what matters with car GAP insurance: easy sign-up, quick quotes, and support through the process..
We’d rather see you out on the road than bogged down in paperwork. Our streamlined tools help you complete the process online.
We’re not about jargon or vague promises. Our team make it simple, straightforward, and aligned with how you actually live (and drive) day to day.

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.

Silver Porsche Taycan Cross Turismo parked on an open road under daylight.

08 Sep 2025

2 minutes read

My Porsche Taycan 4S GAP Insurance Claim

The Challenge In July 2023, I was involved in an accident that left my car a total write-off. The vehicle was just over 12 months old, and like most cars, it had already depreciated in value. The main insurer’s payout offer wouldn’t have even covered the outstanding finance. This would’ve left me with a nasty […]

GAP Insurance FAQs

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

It’s more common when financing or leasing because there’s usually a loan balance or balloon payment to worry about. If you own your car outright, GAP Insurance may be less relevant but it can still be useful in certain circumstances. That includes a fast depreciation rate.

GAP Insurance potentially covers the difference (the “gap”) between what standard car insurance pays out and what you owe on a finance agreement or what you originally paid for the car. This depends on your policy type. If your car’s written off or stolen, GAP Insurance may save you from covering that shortfall out of your own pocket. Get a GAP Insurance quote to discover your options.

Not at all. You can get coverage if your car is less than a few years old and still holds significant value. If it’s worth enough to leave you with a hefty finance debt after depreciation, GAP Insurance may be worth considering.

Setting up is quick. You can usually get coverage the same day you fill out the online form or chat with our team. No lengthy paperwork required. Our instant GAP Insurance quotes make it super easy to get started today.

Manufacturers we can arrange GAP cover for

Audi

BMW

Porsche

Mercedes

Ford

Land Rover

Volkswagen

Tesla

Jaguar

Mitsubishi

Volvo

Toyota

Nissan

Mazda

Hyundai

MG

Maserati

Lexus

Kia

Genesis

Fiat

Dacia

Cupra

Citroën

Alfa Romeo

Honda

Latest GAP Insurance content

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