GAP insurance

We’ve partnered with industry experts, AutoTrust, to offer you GAP insurance. AutoTrust is a trading name for Car Care Plan, authorised and regulated by the Financial Conduct Authority. You can check out more information about them here.

Yes, you need comprehensive car insurance to buy GAP insurance.    

Because GAP insurance bridges the ‘gap’ between your car’s market value and the price you paid for it, if your car is written off or stolen, there has to be a motor insurance payout for you to make a GAP insurance claim.   

You can read all about the exclusions in the terms and conditions and the Insurance Product Information Document. AutoTrust will also send you a copy of these documents via email.

We need to give you two clear days between learning about GAP insurance and taking out cover. This is a regulation to allow you sufficient time to review the policy documentation and eligibility criteria before going ahead with your purchase.

Here’s how it works:

Day 1: You get all the information you need about GAP insurance and a quote for your car.

Days 2 and 3: You can take your time to read all the information we sent about GAP insurance, but you can’t buy a policy yet.

Day 4: Now you’re ready to proceed with GAP insurance, and be covered if your car’s written off or stolen. 

Please contact AutoTrust on 0344 573 8069 or email GAPclaims@carcareplan.co.uk. 

You need to let AutoTrust know within 120 days of the total loss and before accepting a settlement from your car insurance provider.

There’s a 30-day cooling-off period for GAP insurance, which runs from the start date on your policy schedule or when you get your terms and conditions (whichever is later).

If you cancel in the cooling-off period, you’ll be refunded any payments you’ve made, as long as you haven’t made any successful claims on your policy. 

You can still cancel your policy after the cooling-off period, and you'll be refunded for the period you have not received cover, less the administration fee. Any refunds or cancellation fees are subject to the terms and conditions.