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Business Details
20 Years
experience
Specialist Gap Insurance Solutions UK
At Direct Gap, we specialise in providing tailored Gap Insurance solutions designed to protect vehicle owners from financial shortfalls in the event of a total loss. With over 15 years of experience in the insurance sector, our team of experts offers comprehensive coverage options that cater to both new and used vehicles, ensuring clients receive the best value for their investment. Our commitment to customer satisfaction is reflected in our 30-day money-back guarantee, free policy transfers, and a dedicated claims team that settles 90% of claims within 10 days. As an FCA-authorised provider, we adhere to stringent regulatory standards, ensuring transparency, reliability, and ethical practices in every transaction. Our innovative approach to policy design, including deferred start dates and unlimited claim limits for vehicles up to 50,000, has earned us a 4.9-star rating from over 14,000 verified customers.

We pride ourselves on delivering clear, jargon-free explanations of coverage options, with a salaried team that prioritises client needs over sales incentives. Our digital-first platform allows for seamless policy purchases in under five minutes, while our UK-based support team remains available to provide personalised guidance. By focusing on niche Gap Insurance products rather than generic offerings, we maintain competitive pricing up to 75% lower than dealership alternatives without compromising on coverage quality. This combination of expertise, customer-centric policies, and technological efficiency has established us as a trusted leader in specialist vehicle protection.
Services
Return to Invoice Vehicle Replacement Finance Gap Tyre Insurance Scratch & Dent
Details
  • Year established: 2006
Highlights and features
  • Save up to 75% compared to dealership Gap Insurance prices
  • FCA-authorised provider with 15+ years' specialist experience
  • Free policy transfers and deferred start dates available
  • No mileage restrictions during policy term
  • Dedicated UK-based team with salaried, non-commissioned advisors
Associations and certifications
  • Financial Conduct Authority
What people say
Easy to arrange Competitive price Great service Quick setup Affordable
Services
Return to Invoice
Covers the difference between motor insurance settlement and original purchase price. Ideal for vehicles financed through HP, PCP, or cash purchases. Protects against depreciation up to 50,000 with unlimited claim limits.
Vehicle Replacement
Pays the difference between insurance payout and replacement vehicle cost. Includes factory options and price increases. Suitable for contract hire vehicles with outstanding finance commitments.
Finance Gap
Covers remaining finance balance after motor insurance settlement. Designed for lease agreements and commercial vehicles. Excludes PCP/HP cash purchases while providing up to 50,000 coverage.
Tyre Insurance
Repairs accidental damage to alloy wheels and tyres. Covers kerbing and pothole damage. Available as standalone policy or add-on to comprehensive Gap Insurance packages.
Short Term Car
Flexible comprehensive cover from 1 hour to 28 days. Ideal for vehicle transfers, test drives, or temporary use. Instant online activation with 24/7 claims support included.
Questions
What does Gap Insurance cover?
Gap Insurance covers the financial difference between motor insurance settlements and either your vehicle's purchase price, outstanding finance, or replacement cost when written off.
How long does a Gap claim take?
90% of claims settle within 10 days of documentation receipt, with average processing time at 4 working days. Claims require motor insurer settlement confirmation before payment.
Can I transfer my policy?
Return to Invoice and Vehicle Replacement policies include free transfers when changing vehicles. Finance Gap policies aren't transferable but may qualify for deferred start options.
Is there an excess payment?
No excess required. We cover motor insurance excess up to £1,000 during total loss claims, with no hidden fees or additional charges.
How are claims paid?
Settlements process via bank transfer after documentation verification. Payment typically arrives within 48 hours of approval, with funds coming directly from our FCA-regulated accounts.
Reviews (6)
Julie Plant
Dec 29, 2021 Report
Spoke to Diane today and James previously both were very professional and friendly and they explained everything and answered any questions clearly. Diane dealt with the cancellation of the old policy, allocating the rebate to the new policy in a clear, efficient manner. Excellent customer service skills were demonstrated throughout all the calls I made. We were very pleased with the price quoted, it was considerably cheaper than the dealer quote. We hope we don't have to use it but the peace of mind having a car on pcp if the vehicle was written off we'd be protected, so definitely worth the policy
Gary Kemp
Dec 28, 2021 Report
Positive:Professionalism,Quality,Value
Paul was excellent was really helpful in sorting out my policy thanks very much
Desmond Hughes
Dec 21, 2021 Report
Positive:Professionalism,Quality,Responsiveness,Value
Paul was really helpful and friendly. He explained how the whole GAP thing works, and although I am a returning customer, he made it very easy to understand all the small print. Would definitely recommend this company.
Stephen Cartwright
Dec 21, 2021 Report
Positive:Professionalism,Quality,Responsiveness,Value
Was dealt with by a chap called Paul. Very nice bloke sorted it all out brilliantly
Alan Warnock
Dec 19, 2021 Report
Positive:Professionalism,Responsiveness,Value
I rang today and spoke with Diane to change my current policy to a new vehicle. The process couldn't have been any smoother, everything explained clearly and quickly actioned, confirmation emails received immediately and double checked. A highly recommended company with staff to be proud of.
Its Me
Dec 19, 2021 Report
Positive:Professionalism,Quality,Responsiveness,Value
Great service, very good value. My account was taken care of by Diane whos very professional and courteous,
Wouldnt use any one else.