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GAP Insurance
Types of GAP Insurance at a Glance
GAP Type
What It Covers
Ideal For
Return to Invoice
Pays the difference between your insurer’s settlement and the original invoice price (or your finance balance, if higher).
New or nearly new cars, bought outright or on finance
Vehicle Replacement
Covers the shortfall between your insurer’s payout and the cost of a brand-new equivalent replacement vehicle, even if prices have risen.
Drivers who want protection against rising replacement costs
Lease (Contract Hire)
Bridges the gap between insurer payout and the remaining lease balance. Can also refund initial rentals or deposits (up to policy limits).
Leaseholders with outstanding contracts
Agreed Value
Pays out based on a pre-agreed value at the start of the policy, rather than the market value at the time of loss.
Used-car buyers or when other GAP options aren’t suitable
