Home > Motor> GAP Insurance
Impounded Car Insurance
Motor GAP insurance covers you when your insurance provider can’t. With UK Sure Guaranteed Asset Protection (GAP), your vehicle’s worth remains intact even if it’s written off or declared a total loss. Our motor GAP insurance covers the shortfall between your insurance provider’s payout and either the cost of your car upon purchase or your outstanding finance settlement.
What you need to know
What is included in your motor GAP insurance?
​
Invoice settlement
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
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.
​
This policy 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.
Policy Exclusions
GAP insurance benefits
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.
Meet the team
Guaranteed Asset Protection (GAP)
Suitable for
-
Vehicles purchased less than 180 days prior to the policy start date and less than 8 years in age.
-
Vehicles with fewer than 80,000 miles on the clock at the start of the policy.
-
Adults over 18 who live in the UK.
​
Not Suitable for
-
Vehicle types listed on the vehicle exclusion list
-
Vehicles with a value exceeding £150,000
-
Those with vehicles that have been modified other than in accordance with the manufacturer’s specifications
Policy Documents
Why buy GAP Insurance policy with UK Sure?
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.
Taking out 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).
Meet the team
Frequently Asked Questions
Question: What is 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.
​
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: How does GAP insurance work in the UK?
GAP stands for Guaranteed Asset Protection. If you have bought a car, a GAP insurance policy can cover the loss in value if your vehicle is written off. GAP insurance helps to bridge the payment gap between the settlement amount from your comprehensive motor insurance policy and the original purchase price of your car.
​
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: How can Motor GAP Insurance protect me?
If you’ve ever had a vehicle be declared a total lost, you’ll have the misfortune to know that insurance compares rarely pay out the total value of a vehicle or the full outstanding payments on a car loan when it’s written off.
Therefore, without GAP insurance, you could end up paying finance instalments on a car you no longer have. Or, you might find yourself in a financial deficit when buying a new vehicle if you receive far less money than the vehicle’s worth at purchase.
​
This type of policy could prove beneficial for any motorist, but as a taxi driver or courier, your vehicle is particularly important to you, after all, it’s your livelihood.
​
Hire and Reward Motor GAP insurance protects you against getting a much lower current market value back for your vehicle, meaning you’ll have more money to get yourself back out on the road.
​
Question: What's the difference between combined RTI GAP insurance and finance and contract hire gap insurance?
Finance and contract hire GAP bridges the gap between the amount your insurance provider is prepared to payout or covers your outstanding finance settlement if you purchased your vehicle on finance.
​
Do you have a question about gap insurance?
Submit your question here
Related Products
Protect your ride with reliable, affordable motorbike insurance today.
​
Flexible temporary car insurance for daily, weekly, or monthly use—quick cover with instant proof provided.
​​​
Explore with confidence using our secure, affordable motoehome insurance cover.
UK Sure Customer Services
How our customers rate us
They saved me.. thanks
Kobina Ampah
2025-06-12
Beatriz Rodrigues
2025-05-27
They are good professionals! Always ready to help! I was the best choice I made! 🙂
RACHEL SHANNON
2025-05-22
Absolutely 10/10 The service received from start to finish has been fantastic despite the complexity of the insurance required. Customer service received was superb in every way (specially Marco who has been super super helpful in securing the policy) at a great price too.