Our GAP Insurance Products
Be reassured that Best4 GAP will not let you get caught in the shortfall if your car is written off or stolen.
Protecting your car’s value is essential, especially in today’s market, where depreciation can leave you financially vulnerable. At Best4 GAP, we offer tailored GAP (Guaranteed Asset Protection) Insurance policies to bridge the gap between your motor insurance payout and the amount you originally paid or owe.
Whether you own, lease, or finance your vehicle, our GAP Insurance products are designed to give you peace of mind and financial security in case of a total loss.
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Why Do You Need GAP Insurance?
What is GAP Insurance?
GAP Insurance, or Guaranteed Asset Protection, protects you if your car is declared a total loss due to theft or an accident. It covers the shortfall between your insurer’s payout and the amount required to replace your car or settle any outstanding finance.
Who Should Consider GAP Insurance?
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New Car Buyers: Protect yourself against vehicle depreciation in the first three years.
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Leasing Customers: GAP cover will help you avoid hefty early termination fees on leased vehicles.
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Financed Vehicle Owners: GAP Insurance will cover the outstanding balance on your loan if your car is written off.
Fully Regulated GAP Insurance UK Vehicle Cover
Fully Regulated GAP Insurance UK Vehicle Cover
Our GAP policies are fully regulated by the Financial Conduct Authority and come with a range of value-added customer rights, such as having the right to refer to the Financial Ombudsman Service.
Best4 GAP is regulated to ensure our customers are always the priority.
What Benefits do Our GAP Policies Offer?
Our motor protection packages are designed with you in mind with benefits that add value, reassurance and peace of mind.
Depending on which Best4 GAP policy you choose, your benefits may differ, but you can guarantee value for money and fairness with our long-term cover options and unlimited mileage allowance during your cover.
Combination GAP
Most Popular
Get financially protected in case your vehicle is written off. While your motor insurance will only pay out the car’s current market value at the time of loss, Combination GAP Insurance bridges the gap by covering:
- The difference between the insurance payout and the price you originally paid for the vehicle.
- Any outstanding finance on your car loan.
Existing Customers
Lease and Contract Hire GAP Insurance
If you’re leasing or hiring a vehicle, this GAP Insurance provides peace of mind in the event of a total loss:
- Up to 3 months’ deposit for your lease agreement.
- The difference between the insurer's settlement and early termination costs.
Return to Invoice GAP Insurance
Ensure you’re not left out of pocket if your car is written off by covering:
- The gap between the insurer’s payout and the original invoice price.
- Any outstanding finance owed on the vehicle.
Need a Hand? We're Here to Help.
Our team is here to support and guide you towards the best GAP policy for you.
Frequently Asked Questions
GAP (Guaranteed Asset Protection) Insurance covers the difference between the price you paid for your vehicle and the amount your motor insurer pays if the car is written off or stolen.
Eligible vehicles must:
- Be purchased within 90 days from a VAT-registered dealer.
- Be less than 8 years old.
- Have less than 80,000 miles at the time of policy purchase.
- Be insured under a comprehensive motor insurance policy.
- The shortfall between the insurer's payout and either:
- The original purchase price of the vehicle, or
- The finance settlement amount, whichever is greater.
- Up to £250 towards your comprehensive insurance policy excess.
- Vehicles used for racing, rallies, or speed testing.
- Vehicles used as taxis, courier vehicles, or for driving schools (unless agreed).
- Any claims where the comprehensive motor insurance policy is invalid.
- Incidents involving neglect, illegal activities, or intoxicated driving.
- Vehicles purchased from private sellers or exceeding £100,000 in value.
- Coverage extends to the UK, Isle of Man, Channel Islands, and the EU for a maximum of 60 days per year.
- Modified or imported vehicles may not qualify unless agreed upon.
- Do not accept a settlement from your motor insurer without contacting us first.
- Report the incident to the police (if applicable).
- Call our claims line at 03300 944 444 or email [email protected] within 30 days of the incident.
- Provide required documentation, including your policy number, vehicle details, and comprehensive insurer's settlement offer.
Yes, provided:
- The new vehicle meets the eligibility criteria.
- No claims have been made under the current policy.
- You notify us within 14 days of changing vehicles.
An additional premium may apply for higher-value vehicles.
You may cancel within 30 days for a full refund, provided no claims have been made.
After 30 days, you can cancel in writing and receive a pro-rata refund based on unused months.
The insurance is provided by Financial & Legal Insurance Company Limited, authorised by the Prudential Regulation Authority.
Phone: 03300 944 444
Email: [email protected]
Address: Building 5, Archipelago Office Park, Lyon Way, Camberley, Surrey, GU16 7ER
If your car is written off due to theft or an accident, the payout from your motor insurer might not cover the full value you originally paid or the outstanding finance amount. GAP Insurance ensures you're not left with a financial shortfall.
The payout is calculated as the difference between your motor insurer’s total loss settlement and either the original purchase price or the finance settlement figure, whichever is higher.
