GAP insurance made easy. Instant online cover.
Accidents happen. That’s an unfortunate but irreversible truth. And although irreparable damage to a vehicle can be worrying for anyone, GardX Assure GAP Insurance can take away some of the stress by making sure the financial shortfall is covered. That’s why countless customers choose to go with GardX Assure GAP Insurance. We cover the shortfall if your vehicle is written off.
QUOTE AVAILABLE INSTANTLY ONLINE.
GardX Assure provides an online quoting tool that clearly outlines the coverage and the associated costs of your chosen insurance policy.
Our quoting tool takes into account the initial investment made to purchase the vehicle and your expected ownership duration.
QUOTE AVAILABLE INSTANTLY ONLINE.
GardX Assure provides an online quoting tool that clearly outlines the coverage and the associated costs of your chosen insurance policy.
Our quoting tool takes into account the initial investment made to purchase the vehicle and your expected ownership duration.
Trusted by leading brands
WHAT IS GAP INSURANCE?
In the event of the total loss of the insured vehicle, we will pay a maximum benefit equal to the difference between your motor insurance settlement and the original retail price of the insured vehicle, or if greater and the amount you require to pay your early settlement amount. This insurance will also contribute to the excess deducted by your motor insurer.*
*Terms, conditions and exclusions apply. Please refer to your policy documentation for full details.
How it works?
You’ve insured your car, but what if it’s written off or stolen? Your motor insurer pays the current market value — which is often much less than what you originally paid or still owe on finance.
That’s where we step in!
- You buy your vehicle. Your car is worth, say, £22,000 when new. You drive it home — and it begins to depreciate immediately.
- Something unexpected happens. Two years later, your car is written off or stolen. Your motor insurer pays the market value — maybe £15,000.
- We cover the shortfall. GardX Assure pays the £7,000 difference so you’re not out of pocket — you can get back on the road without a financial loss.
faq's
GAP stands for Guaranteed Asset Protection. It covers the difference between what your motor insurer will pay if your vehicle is written off or stolen, and what you originally paid for the vehicle or what you still owe on finance.
GAP insurance compliments your motor insurance. Your comprehensive policy would only pay the current market value of your car — not what you originally paid or owe on finance. GAP insurance fills that gap so you’re not left out of pocket.
Here are the features and benefits of our GAP insurance:
- If an incident occurs resulting in your vehicle being written off due to accident, fire or theft GAP insurance covers the difference between your comprehensive motor insurer’s settlement amount at the time of loss, and the greater of the original invoice price or, the amount outstanding amount under your finance agreement (if any).
- Up to £750 Motor Insurance Excess cover for total loss claims
- Up to £750 Additional Excess cover per year for non-total loss claims
- £30 per day Temporary Vehicle Replacement cover up to 30 days
- Minimum Gap Benefit payable equal to the premium paid by the customer for the policy
- Unlimited Factory Fitted options
- Dealer Fitted Accessories up to £1,500 included
- Transferrable to a family member or replacement vehicle
- Daily pro-rata cancellation after 30 days, subject to a £15 fee
The cost of GAP Insurance varies based on the vehicle’s value and the duration of your finance agreement, with policies typically ranging from £35.55 to £397.82 for multi-year coverage.
Return to Invoice covers the amount by which the original invoice price of the vehicle exceeds the comprehensive motor insurer’s settlement at the time of the total loss.
You can submit a claim via our Customer Care Portal which allows you to quickly submit your claim and track its progress. You can complete your claim in just a few simple steps, ensuring that you receive the support you need without unnecessary delays. We are committed to providing you with a seamless experience, empowering you to effortlessly take control of your insurance needs.
If preferred, you can also submit claims via phone, email and post.
Absolutely. GardX Assure is authorised and regulated by the FCA.
Your information is protected with bank-level encryption — and we never share your details without consent.
Click Get a Quote, enter a few quick details, and see your personalised price instantly.
It takes less than 2 minutes, and you can complete your purchase securely online.
Key features
- Cover from Day One
Unlimited factory fitted options. - Cover for up to £500 of your motor insurance excess.
- Cover for incidents which occur in the UK, European Economic Area (EEA), Isle of Man, Channel Islands and Switzerland.
- Transferrable to a new or replacement vehicle
- Daily pro-rata cancellation after 30 days
Eligibility
- The vehicle is covered by a comprehensive motor insurance policy
- The vehicle was purchased in the last 180 days
- The vehicle’s purchase price is between £5,000 and £65,000
exclusions
- Vehicles used for hire and reward or short term self-drive
- Any vehicle that is part of a contract hire or lease agreement.
- Any claim where your vehicle is not declared a total loss by your motor insurance company.
- Delivery charges, new vehicle registration fees and road tax.
customer reviews
adam ward
Great experience with Gardx, very polite and professional on the phone and kept you up to date throughout the process and everything was done in a timely manner.
Sharon Brewer
Excellent service from everyone during this uncertain time - great service and job was professionally completed thanks
Jill Jackson
Excellent and very efficient service. It was really easy to receive confirmation that the work was covered under the terms of the agreement and to get it done.
Our recent blogs
When it comes to protecting your car, there’s a lot of confusion about what GAP insurance actually does. Many drivers assume their standard motor insurance will cover them fully if their car is written off or stolen — but that’s often not the case. Let’s clear up the top 3 myths about GAP insurance once and for all.
Myth 1: “I don’t need GAP insurance because I already have comprehensive cover.”
The truth:
Comprehensive car insurance only pays your vehicle’s current market value at the time of loss — not what you originally paid for it. Cars lose value quickly. In fact, most new cars depreciate by up to 60% in three years. So, if your £22,000 car is written off two years later, your insurer might only pay around £15,000. That leaves a £7,000 gap, and that’s exactly what GAP insurance covers.
In short:
Your car insurance covers what your car is worth today. GAP insurance covers the difference, so you’re not left paying the price of depreciation
Myth 2: “GAP insurance is only for brand-new cars.”
The truth:
While it’s especially valuable for new cars (which depreciate fastest), GAP insurance can also protect:
- Used cars purchased recently
- Financed or leased vehicles
- Nearly new cars under a few years old
If your vehicle still holds significant value, or you owe more than its current worth, GAP insurance can make a huge difference. Even a 2-year-old car can lose thousands of pounds in value each year, leaving a significant shortfall if it’s written off.
Myth 3: “GAP insurance is expensive and not worth it.”
The truth:
Direct GAP insurance is often far cheaper than the policies sold by dealerships — sometimes saving you up to 70%. And when you consider that GAP cover can protect you from losing thousands, the value is clear. It’s a small, one-off cost for major financial peace of mind.
The Bottom Line
GAP insurance isn’t complicated, it’s simply about protecting the investment you’ve already made. If your car is stolen or written off, it ensures you’re not left covering the difference between your insurer’s payout and what you still owe or originally paid. With GardX Assure, you can get a quick quote online in under 2 minutes and see exactly how much protection costs — no jargon, no hidden fees.
Get your Free Quote and keep your car’s value protected.
GET A QUOTE.
Get your quote today and join thousands of satisfied customers protected by the industry’s most trusted GAP Insurance provider.
