Welcome to the GAP Expert guide

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We only recommend providers who offer

  • Covers new, used and pre-reg vehicles
  • Is Defaqto 5 Star Rated
  • Has ‘A’ rated Underwriters

GAP stands for Guaranteed Asset Protection

There are several types of GAP insurance but the overall purpose of this type of cover is to assist you financially in the event of a total loss claim on your vehicle

GAP Insurance can be taken out on new and used vehicles. Depending on how long you have owned the vehicle, you may be offered a policy that returns your finances to the vehicle’s current ‘value’ or to the value on your purchase invoice.

Used car depreciation is a major risk to any motorist, especially if the motor is subject to a finance agreement. At the time that a car is stolen or involved in an accident, the car may be worth less than the remaining finance.

Up to 77% of the value of a brand-new vehicle can vanish over a 3-year period, while some used cars can depreciate by more than 20% within the first 12 months of ownership. Vehicle theft has accounted for around one in seven crimes in recent years, and the number of cars written off in accidents is ever-increasing too, as modern cars are often uneconomic to repair.

GAP cover attempts to provide you with insurance towards the difference between your insurer’s total loss pay out and your vehicles value or purchase invoice.