Kia GAP Insurance

Kia’s quirky design makes it a fun car to have sitting on the driveway, but depreciation doesn’t admire it. The value can slide quicker than a phone battery drains on a long journey. Kia GAP insurance policies, arranged by Insureworks and underwritten by specialist insurers, may help support you.

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GAP Insurance Explained

Potentially protects your finances against the effects of depreciation.
Insureworks provides a straightforward online process for arranging GAP insurance.
Once a claim is accepted, settlement will be handled in line with the policy terms and the process set out by the insurer.
Tailored cover arranged by Insureworks that may help reduce the financial impact if your car is written off or stolen.

Kia Models Our Insurers Can Cover

Kia has gone from budget alternative to one of the most popular badges on British driveways, helped along by a long warranty. Our insurers can offer Kia GAP insurance across the range, from the Picanto and Ceed to the Sportage and Sorento, the hybrid Niro and the fully electric EV models. Whether you paid in full, chose PCP, signed a lease agreement or bought used, 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 Kia 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 Kia GAP insurance quote to check what may be available for your Kia.

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

New

Used

Petrol

Diesel

Hybrids

Electric

Kia Picanto, Ceed

The small and mid-sized options. First cars, city driving and sensible family hatchbacks.

Kia Sportage

Kia’s best seller and a fixture on the school run. Family-sized and very common on PCP.

Kia Sorento

The larger seven-seater, built for families who need every seat and a boot as well.

Kia Niro

Available as hybrid, plug-in hybrid or fully electric, so worth checking which version you have.

Kia EV3, EV6, EV9

Kia’s fully electric range, subject to the electric vehicle price limit on PCP and cash purchases.

Choose The Right Kia GAP Cover For You

Whether your Kia is a brand-new Sportage or a Ceed with a few years behind it, 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.

The policy that may suit you depends on how you bought your Kia and what you would like the cover to protect. The information below explains how GAP insurance could apply across different types of Kia, while Kia GAP insurance lease options may also be available for qualifying agreements.

New & Used Kia GAP Coverage

New or used?

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 and priced from £5,000.

Petrol & Diesel

Petrol or diesel?

Petrol and diesel models lose value steadily, but the gap between what you paid and what your insurer settles can still be significant. GAP could help reduce that difference if an eligible vehicle is written off or stolen.

Hybrids

A bit of both

Hybrid and plug-in versions often carry a price premium over the equivalent petrol model, which means a larger shortfall to cover if the worst happens. GAP could help protect the eligible invoice price paid for the vehicle.

Fully Electric

Plugged in

Electric models lose value quickly, and the shortfall after a total loss can be larger than expected. On PCP and cash purchases, electric vehicles are covered up to a £50,000 vehicle price. Lease and contract hire have no such restriction.

Get a Kia Gap Insurance Quote

a light purple kia car parked up outside a house in the united kingdom on a sunny day

GAP Insurance for Kia

The Kia brand has come a long way in the last decade. In its early years, it had a strong reputation for practicality, but it now offers far more than just sensible motoring. Today’s range combines bold looks with feel-good value. But depreciation still catches people out.

No matter how practical the design is, Kia can’t do anything to prevent depreciation from striking. If your Kia is written off or stolen, your motor insurer will only pay the market value at the time of the claim. This could leave you short, since that figure may be far lower than what you paid or still owe.

Kia Motors GAP insurance may help bridge the gap between your insurer’s payout and what you paid or still owe.

Why use InsureWorks to arrange Kia GAP insurance

Don’t get caught out: You purchase a Kia to get you from A to B, not to give you financial worries. Depreciation means the value drops and you may not even realise it.
New and used: Kia Motor GAP insurance may help reduce the financial shortfall on both brand-new and smart second-hand buys.
Don’t lose to thieves: Everyone loves practicality, including thieves. GAP may help cover the shortfall if your car is stolen and not recovered.
Straight to the point: We won’t throw out pointless jargon to make us sound smart. We provide a straightforward process.

How Kia GAP insurance works

1. Your Kia is stolen or written off. It’s a nightmare situation, but one that you can prepare for.
2. Regular motor insurance will pay the market value. This is standard practice.
3. If a claim is accepted, Kia GAP Insurance may top this up to the agreed level. This may cover the shortfall, depending on the policy terms.
4. Hit the road again! The potential payout may reduce the financial impact so you can look for another Kia.

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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Kia 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 some drivers often consider Kia GAP insurance when leasing a car. If your leased car is written off or stolen, there may still be an amount due under your finance agreement after your motor insurer’s payout. Paying for a car that is sitting in the scrapyard is not usually an ideal scenario. GAP may help cover some or all of that shortfall, depending on the policy terms.

If your Kia 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 still owe on finance. This is depending on the policy terms.

If you’re considering Kia GAP insurance, you may want to think about when the cover starts. This is because depreciation starts from the moment the car rolls off the forecourt. If your car is written off or stolen soon after purchase, there may still be a financial shortfall between your motor insurer’s payout and what you paid or still owe. GAP insurance may help cover some or all of that shortfall, depending on the policy terms.

Popular Kia models include Picanto, Sportage, or Niro. A wide range of Honda models are eligible for GAP insurance. Always check the policy terms and eligibility criteria. We can usually help you find cover for your car.

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