GAP Insurance for (Hire & Rewards)
UK Sure Hire and Reward Motor GAP Insurance bridges the financial gap between your car insurer's payout and the original price you paid for your vehicle or any remaining finance at the point your car is written off. That way, you shouldn’t find yourself at a financial loss if your car is declared a total loss and you can get back on the road and out to work as quickly as possible.
GAP Insurance for Couriers and Driving Instructors
Who the product is suitable for:
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Courier Drivers
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Driving Instructors
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Taxi Drivers
When purchasing your GAP insurance you will need to choose from "Invoice Settlement" and "Finance Agreement". What is the difference?
Invoice Settlement
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This policy will pay the difference between the vehicle insurance settlement at the point of total loss and the invoice price paid for your vehicle.
Finance Agreement
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If you purchased your vehicle under a finance agreement (except where the policy is transferred) and the early settlement amount at the point of total loss is greater than the original invoice price, this insurance will pay the difference between the vehicle insurance settlement and the early settlement amount.
GAP Insurance covers vehicles that have been declared a total loss following a fire, theft, or damage sustained as a result of an accident, malicious damage or flood.
Cover includes up to a maximum of £250 of your vehicle insurance policy excess!
GAP Insurance Policy Exclusions
Any amount due under a finance agreement relating to arrears, dealer fitted options, insurance or warranty, and any interest payable on these items, or any amount not relating directly to the market value of the vehicle at the time of purchase.
Your vehicle was the result of a theft when your vehicle was left unoccupied (that is, nobody is inside it) and was left unlocked, with the windows or roof open or with the keys inside or on it.
Your claim under a vehicle insurance policy is declined and you have not received the vehicle insurance settlement.
Where the loss is caused when the vehicle is driven, with your consent, by someone who does not hold a valid driving licence or is in breach of the conditions of that driving licence.
The benefit will not be paid for a total loss of the vehicle if
Your vehicle is used as an emergency or military vehicle!
Your vehicle is a non-UK specification vehicle or not built primarily for sale in the UK, or is classed as a grey import, kit car, bus, coach, commercial vehicle weighing more than 3.5 tonnes, truck, heavy goods vehicle or static caravan!
The vehicle is used for road racing, rallying, pace-making, speed testing or any other competitive event!
The vehicle has been modified other than in accordance with the manufacturer’s specifications!
Your vehicle is stolen by any person who has access to the vehicle’s keys!
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GAP Insurance Suitabilty
GAP Insurance is suitable for most drivers, however not suitable for every driver, please check below
Suitable for
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TAXI, COURIER, AND DELIVERY DRIVERS !
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DIRIVING INSTRUCTORS !
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DRIVERS WHO PAID FOR THEIR VEHICLE IN FULL !
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THOSE WHO HAVE PURCHASED THEIR VEHICLE ON FINANCE !
Not Suitable for
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NON-UK SPECIFICATION VEHICLES !
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→ DRIVERS PLANNING TRIPS OVER 90 DAYS ABROAD
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→ MODIFIED VEHICLES, OTHER THAN IN ACCORDANCE WITH THE MANUFACTORER`S SPECIFICATIONS !
GAP Insurance Suitabilty
Taking out a Hire and Reward Motor GAP Insurance policy with UK Sure could make that nightmare scenario a little less stressful by ensuring you’re covered financially for the full price of your written-off vehicle, even if your motor insurance provider won’t cover the full cost (or finance payments).
At UK Sure, we’re committed to providing affordable, straightforward insurance policies that are easier to take out, you can buy our policies online in minutes.
Having your vehicle declared a total loss is a stressful situation for any motorist, but it’s particularly worrying if you’re a taxi driver whose vehicle is their livelihood.
Policy Documents
Meet the team
Frequently Asked Questions
Question: What is Hire and Reward Motor GAP Insurance?
Motor GAP insurance covers the financial gap between the amount your insurance provider pays out if your car is written off or declared a total loss and the amount you paid for it, or the early settlement amount on a finance agreement.
A Hire & Reward policy will cover those who use their vehicles for business, including taxi drivers and delivery drivers.
Question: Is GAP insurance still available in the UK?
Yes, GAP insurance is back in the UK. Although sales were paused in February 2024 due to the Financial Conduct Authority (FCA) raising concerns that some customers weren't getting fair value from their policies, they have now resumed following regulatory changes.
Question: Is GAP insurance worth it in the UK?
GAP insurance can cover the difference between your car's market value and the price you paid for it if it's written off. It may have benefits if you have a new car or you bought your car on finance with a large loan. GAP insurance isn't worth it if you're happy with a like-for-like replacement for your car.
Question: What is better than gap insurance?
Standard gap insurance will pay off your loan, but nothing more. Car replacement assistance pays you 20% more than the car's ACV, whether you're making car payments or not. The money goes directly to you, so you can decide how to use it.
Question: Can you cancel gap insurance?
Yes. As long as you have not made a claim under your GAP addendum/policy, you may cancel it at any time and receive a refund. Generally, if you cancel within the first 30 days, you will receive a full refund. Thereafter, you will generally receive a partial refund, less a cancellation fee.
Question: What is the most gap insurance will pay?
The most gap insurance will pay is the full amount left on your loan or lease after your insurer pays your vehicle's actual cash value for a covered collision or comprehensive insurance claim. The exact amount gap insurance will pay depends on the balance of your loan or lease and the value of your car.
Question: Am I covered when driving outside the UK?
You’ll be covered for up to 90 days in any 12-month policy period when driving outside of the UK, Channel Islands or Isle of Man.
Do you have a question about gap insurance for (hire & rewards) insurance?
Submit your question here
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UK Sure Customer Services
How our customers rate us
Serviço personalizado e muito atencioso para com os pedidos dos clientes
Ana Costa De matos
2025-05-07
Carlos Wilker
2024-11-20
Muito bom, fiquei satisfeito!
Ricardo Ribeiro
2024-11-11
very happy with the services provided, they help with everything we need and are always available to help us and clarify any doubts, super grateful for the help and work they do to help us get everything done, I love it and I recommend it