Compare GAP insurance

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There are a variety of options for GAP insurance on the market, and so it’s important to look at what’s available before deciding which type is best for you. We'll help you make a GAP insurance comparison based on the kind of cover you want and what options suit you best.

For more information about GAP insurance, explore our guides about What GAP Insurance Is and If You Need It For Your Vehicle.

Did you know there is more than one type of GAP insurance?

There are a variety of types of GAP insurance available to suit different drivers and budgets. We’ve outlined three of the main options below:

Back to invoice GAP insurance: This type of GAP insurance covers the difference between the amount that your car insurance would pay out if your car was stolen or written off and the amount that your vehicle cost when you bought it.

Vehicle replacement GAP insurance: If your car was a total loss and you wanted to replace it with a brand new version of the same make, model, and specifications, this type of GAP insurance could cover you up to this amount.

Contract hire GAP insurance: This type of GAP insurance is intended for drivers who have a lease vehicle and do not have the option to buy it. While your car insurance would cover the market value of your vehicle at the time it was stolen or written off, this GAP insurance would cover the rest of your payments for the remainder of your lease.

For further details, read our guide to learn more about the different types of GAP insurance.

Which type of GAP insurance should you choose?

The type of GAP insurance that is best for you depends on your individual circumstances and the different aspects of owning your car that you want to protect. We've outlined the main considerations below, to help you decide which option suits you best:

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What is covered? Who it is suited to? What are the advantages?
Return to invoice The difference between what you originally paid for your vehicle and what your car insurance will pay out. People who want to recover the total cost of their vehicle when they purchased it, whether that is outright or on finance. Your premiums could be cheaper with this type of GAP insurance compared to others, such as vehicle replacement insurance.
Vehicle replacement The price of a new vehicle of the same make, model, and specification of your written off car, minus your car insurance pay-out. Those who want to replace their vehicle with the same kind, whether they purchased it on finance or outright. You could replace your old car with a new one, which could be a particularly useful option if the value of the make and model of your car goes up in price.
Contract hire The remaining payments on your lease vehicle and other fees related to this contract. Drivers of lease vehicles where there is no option to buy it outright. If you drive a lease car, this GAP insurance is created with you in mind. It could cover your outstanding payments and potentially any early cancellation fees, but you would not have to cover any more than you are liable for.

Once you've found the type of GAP insurance that's right for you, visit One Call to get a quote. One Call offers the best level of GAP insurance cover, which will cover both the return to invoice amount or the outstanding finance amount even if on contract hire. So whichever is the higher amount, the GAP insurance policy will cover it. For more information, contact us via live chat.

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