Simple GAP Insurance from Motor with Ease

Expert Insurance Made Easy

  • Friendly customer service from experts
  • Cover for vehicles up to 5 years old
  • Motor excess contribution up to £1,500
Vehicle Replacement GAP
In the event of a total loss, this GAP type will cover the cost of replacing your vehicle with an equivalent one of the same make and model.
Return to Invoice GAP
This type of GAP will cover the difference between your motor insurance provider’s total loss and the invoice price of the vehicle when you first purchase it.
Combined Return to Invoice GAP
Cover for you in the event of a total loss claim between your motor insurers settlement, and the higher of the original invoice and the outstanding finance settlement.
Contract Hire GAP
This GAP type covers the difference between the motor insurance market value settlement and the outstanding lease settlement at the point of total loss. This may include outstanding repayments or a shortfall in the market value settlement.

why buy from Motor With Ease?

Cover In 3 Minutes
You can get a GAP insurance quote from Motor with Ease in just a few easy steps. Select the value of your car, choose the length and type of policy, then enter your vehicle’s registration. It couldn't be simpler.
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Designed for Quality
We design our policies so you don't lose out. Our GAP insurance policies will offer you financial protection if your car is written off in an accident or stolen. You'll have peace of mind knowing that you're covered by our high-quality policies.
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Competitive Pricing
At Motor with Ease, we strive to offer our customers affordable GAP Insurance policies. Our GAP Insurance is more affordable than most policies sold by leasing companies or car dealerships, so you can get the best GAP insurance for less.
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Frequently Asked Questions

Guaranteed Asset Protection (GAP) insurance is a type of insurance cover for cars that are bought or leased. It bridges the gap between what your car insurance will pay out in the event your car is written off and what you originally paid for it.

A car’s value depreciates over time, and if your car is stolen or totaled, your car insurer will only compensate you for the market value.

For example, if you buy a new car from a dealer for £25,000 and you get into an accident a year later, your car will have depreciated in value by roughly 20%. If your car insurer considers it a “total loss”, they may only pay out £20,000. GAP insurance will cover the difference of £5,000, so that you’re not left short when the time comes to replace your car.

GAP insurance is meant to be purchased concurrently with car insurance and is not a replacement for standard car insurance.

There is no excess to pay when you make a claim on your Guaranteed Asset Protection insurance. Rather, your GAP insurance will cover up to £500, £1,250 or £1,500 of excess on your motor insurance should it be involved in a total loss, depending on the level of cover selected.

If something happens to your car, you may face a considerable financial loss because your car insurance settlement will be less than what you paid for it or less than the loan you took out.

Having GAP insurance will make up for the shortfall so you don’t end up out of pocket. GAP insurance is not only perfect for those who purchase their vehicle outright, but for those who lease or finance their car with a Hire Purchase (HP) or a Personal Contract Purchase (PCP) too.

Return to Invoice
Return to Invoice (RTI) GAP insurance, also known as Back to Invoice GAP insurance, will cover new and used cars. This type of cover will protect you from financial loss by covering the gap between what your car insurer pays out and the invoice price paid for your car.

Combined Return to Invoice
Combined Return to Invoice GAP insurance is a combination of Return to Invoice GAP insurance and Finance GAP insurance. Combined RTI GAP insurance will cover the difference between your motor insurance settlement and the invoice price or the outstanding balance on your finance agreement.

Contract Hire
Contract Hire (CHG) GAP insurance is for cars that are contract hired (leased), rather than owned. If your leased vehicle is totaled, then Contract Hire GAP insurance will cover the difference between your car insurance settlement and any outstanding rental payments.

Vehicle Replacement
If your car is written off, Vehicle Replacement (VRI) GAP insurance will cover the difference between your car insurance settlement and the cost of a replacement vehicle of the same specification, even if the price of a car that is the same make and model has increased.

In short, there isn’t a solid answer as it will be dependent on a number of things. For example:

  • The type of product with which you are claiming for
  • How soon you log the claim following an incident
  • The associated evidence required and what is initially provided

Motor With Ease Benefits

Quick, no-hassle quotation
Cover for vehicles valued up to £100,000*
Cover for vehicles for up to 5 years
Tailor your policy
One annual payment
Excellent customer service
Simple claims process
£500, £1,250 or £1,500 towards your motor insurance excess
Cover can be transferred to a new vehicle
*£100,000 vehicle value is for Contract Hire GAP only.
Get a quick quote today and get covered in minutes.