Polestar GAP Insurance

Polestar has been selling electric cars in Britain since 2020, and a Polestar 2 still loses value the moment it leaves the forecourt. Polestar GAP insurance, arranged by Insureworks and underwritten by specialist insurers, may help reduce the financial impact of that depreciation.

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Polestar GAP Insurance Explained

May help protect the price you paid for your Polestar, rather than what it is worth on the day of a claim.
Available on Polestar cars up to ten years old, bought within the last 180 days, priced from £5,000.
On PCP and cash purchases, electric vehicles are covered up to a £50,000 vehicle price.
Contract hire and lease agreements carry no electric vehicle price restriction at all.

Polestar Models Our Insurers Can Cover

Polestar has been selling electric cars in Britain since 2020, and our insurers can offer Polestar GAP insurance across the Polestar 2, 3 and 4. Whether you paid in full, chose PCP, signed a lease agreement or found a used Polestar 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 Polestar 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 Polestar GAP insurance quote to check what may be available.

Every Polestar is electric, so the £50,000 vehicle price limit on PCP and cash purchases is the first thing to check. Above that figure, the lease and contract hire route is the one that has no price restriction.

New

Used

PCP

Cash

Lease

Electric

Polestar 2

The fastback that put the brand on British driveways, and the model most owners are insuring.

Polestar 3

The larger SUV, built for families, longer journeys and drivers who wanted the space.

Polestar 4

The coupe-styled SUV, sitting between the 2 and the 3 in the range.

Polestar 1

The low-volume hybrid grand tourer that started the brand, now firmly a used-market car.

Choose The Right Polestar GAP Insurance For You

Whether your Polestar is a brand-new Polestar 3 or a Polestar 2 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 route applies depends on how you bought the car.

New & Used

Brand new, or a used Polestar 2?

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.

PCP & Cash

Where the £50,000 limit bites.

On PCP and cash purchases, electric vehicles are covered up to a £50,000 vehicle price. Above that figure the standard product is not available, so the lease and contract hire route is the one to check.

Lease & Contract Hire

No electric price restriction here.

Contract Hire and Lease GAP is built around the settlement balance of the agreement rather than the invoice price, and it carries no electric vehicle price restriction. What it pays is set by the terms and the claim limit in your schedule.

Fully Electric

Every Polestar is electric.

Polestar is rated prestige by the underwriter, so cover costs more than an equivalent mainstream make. That reflects repair and replacement values rather than anything about how the policy itself works.

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Black Polestar 2 driving on a mountain road beside a loch

GAP Insurance for Polestar

Polestar has been selling electric cars in Britain since 2020, and whichever Polestar 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. Polestar GAP insurance is designed to help with that difference, subject to the terms, conditions, exclusions and limits of the policy.

White Polestar 2 parked outside a modern concrete building

Why Use Insureworks To Arrange Polestar GAP Insurance

Insureworks arranges Polestar GAP cover underwritten by specialist insurers, and the eligibility rules sit on the page rather than buried in a document. Your Polestar needs to be under ten years old, bought within the last 180 days, and invoiced between £5,000 and £125,000. Because every Polestar is electric, the £50,000 limit on PCP and cash purchases matters more here than on most brand pages. This page is information, not advice, and no assessment of suitability is made here.

How Polestar GAP Insurance Works

Your Polestar is written off or stolen, and it is time to make a Polestar 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 Polestar 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 Polestar 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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Polestar GAP Insurance FAQs

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

On PCP and cash purchases, electric vehicles are covered up to a £50,000 vehicle price, so a Polestar invoiced above that is outside the standard product. Contract hire and lease agreements carry no electric vehicle price restriction, so that route may still be available. It is worth checking which applies before you start a quote. Vehicles used as taxis, for driving lessons, hire, courier work, racing or off-road driving are also excluded.

Your Polestar 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, and no more than £50,000 on PCP or cash because it is electric. Cars previously written off 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.

Yes. Polestar is rated prestige by the underwriter, which is the higher of the two pricing tiers, so it costs more to cover than an equivalent mainstream make. That reflects the higher repair and replacement values behind the badge rather than anything about the policy itself, which works the same way across both tiers.

If your Polestar 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.