GAP Insurance

Gap Insurance doesn’t have to be booooring. Our guides cut through the jargon to show how it protects you against car depreciation, whether it’s brand new or second hand.

Silver hatchback with rear end damage stopped at the side of a wet British road, blank number plate
24 Sep 2026

Car Written Off And It Was Not Your Fault: What Changes

Being blameless changes who ends up paying, not how the car is valued. The claim routes, your excess, your no-claims and where GAP fits.

Damaged silver saloon car in a fenced salvage compound after being declared a total loss
20 Sep 2026

Car Written Off: How Much Will The Insurer Pay?

How a motor insurer works out a write-off settlement, why market value is the starting point, and what evidence can affect the figure.

An empty parking space on a British residential street at dusk with broken glass on the wet road and a street lamp behind.
20 Sep 2026

Does GAP Insurance Cover Theft?

Does GAP insurance cover theft?Yes, but only conditionally. The GAP insurance policies distributed by Insureworks may respond when a stolen…

A dark blue family car parked on a British residential street in late afternoon autumn light with fallen leaves on the pavement.
20 Sep 2026

How Long Does GAP Insurance Last?

How long does GAP insurance last?How long does GAP insurance last? For the GAP policies described here, there is no…

A used silver hatchback for sale on a small British car forecourt with terraced houses behind on an overcast day.
20 Sep 2026

How To Check If A Car Has Been Written Off

When you are buying a used car, it is easy to assume that entering the registration number into the free…

A damaged silver estate car loaded on the back of a flatbed recovery truck on a wet British residential street.
19 Sep 2026

What Is A Total Loss In Car Insurance?

What is a total loss in car insurance?A total loss is an insurance term for a vehicle that the motor…

A white hatchback with front wing and bumper damage parked on a British house driveway with the garage door open.
19 Sep 2026

Can You Keep Or Buy Back A Written-Off Car?

If your car is written off, whether you can keep it depends on its write-off category. Category N and Category…

A dark grey hatchback with rear-end accident damage parked at the kerb on a British residential street on a wet, overcast day.
16 Sep 2026

Car On Finance Written Off: What Happens Next?

If your car is on finance and has been written off, there are two separate financial figures to deal with:…

A silver hatchback with front-end accident damage raised on a two-post ramp inside a British repair garage.
16 Sep 2026

Will My Car Be Written Off? What Actually Decides It

If you are searching for a car insurance write-off calculator UK drivers can use, there is an important limitation to…

A dark blue family hatchback parked on the block paved driveway of a British suburban house on an overcast day.
16 Sep 2026

Is GAP Insurance Worth It? How To Work It Out For Your Car

There is no universal yes or no answer to whether GAP insurance is worth it. The useful question is whether…

Rows of damaged cars of different colours parked on gravel in a UK vehicle salvage yard on an overcast winter day.
16 Sep 2026

Insurance Write-Off Categories Explained: A, B, S and N

If a car has been written off by an insurer, the letter attached to it matters. The current UK insurance…

A silver hatchback with crumpled front-end accident damage parked at the kerb on a British terraced street.
16 Sep 2026

Car Written Off: What Happens Next?

If your car has just been written off, the process usually moves through a few clear stages. Your insurer assesses…

Grey hatchback parked on a block-paved driveway outside a British house in late afternoon light
15 Sep 2026

What Does GAP Insurance Cover? Inclusions, Exclusions and Total Loss Explained

What does GAP insurance cover? In simple terms, it may cover a financial shortfall after an eligible vehicle is declared…

Grey toyota on the road in the United Kingdom
14 Sep 2026

Toyota Lease GAP Insurance Explained: How Does It Work?

Leasing can be a simple way to get behind the wheel of a new Toyota. You choose your car, agree…

Person leaning on their white car, using their phone
08 Sep 2026

GAP Insurance Costs Guide

There isn't one fixed GAP insurance price that applies to every car or policy. As a general UK market benchmark,…

Blue Toyota parked on driveway
08 Sep 2026

Is Toyota GAP Insurance Worth It?

For some Toyota drivers, GAP insurance may be worth considering if they could be left with a significant financial shortfall…

What Does Toyota GAP Insurance Cover?
07 Sep 2026

What Does Toyota GAP Insurance Cover?

Your Toyota might have a reputation for reliability, but unfortunately that doesn’t make it immune to theft, accidents or depreciation.…

appreciating cars
17 Jun 2026

The best EV cars holding their value in 2026

New Insureworks analysis looked at UK used EV listings and compared current used prices with original RRP to estimate depreciation and value retention for popular electric models.

Chart of EV cars depreciation that show the cars that lose the most value
09 Jun 2026

Electric Car Depreciation: The EVs Losing the Most Value in 2026

Electric cars can be cheaper to run, but some are losing tens of thousands of pounds in value within just a few years. Our latest study reveals the EVs depreciating fastest.

White Porsche driving on the road in the United Kingdom on a sunny day
28 Apr 2026

Porsche GAP Insurance for PCP or Lease Agreements

Leasing or securing a PCP deal with a Porsche is a route many drivers decide to take so they can…

Porsche sitting in front of a house in the united kingdom
24 Apr 2026

Return to Invoice GAP Insurance for Porsche

Buying a Porsche is usually one of the boldest purchases you can make. Whether you’ve gone for a 911, Macan,…

Porsche sitting on the driveway in good weather conditions
23 Apr 2026

Do I need GAP Insurance on a Used Porsche?

Unlike third-party motor insurance, it’s not a legal requirement to get GAP insurance on a used Porsche in the United…

Range Rover parked on the drive, with someone standing by an open passenger door
21 Apr 2026

Does GAP Insurance Cover Negative Equity on a Range Rover?

GAP Insurance can cover negative equity on Range Rover finance agreements, but only in certain situations. It is also dependent…

Black range rover on a driveway of a home in the United Kingdom
16 Apr 2026

Do I need GAP Insurance on a Used Range Rover?

GAP insurance on a used Range Rover is not a legal requirement in the United Kingdom. But in many cases,…

Person leaning on a Range Rover parked on a driveway
15 Apr 2026

Range Rover GAP Insurance on PCP

Many drivers consider Range Rover GAP insurance on PCP due to the high upfront cost of the car and how…

White VW Tiguan on the driveway in the UK, with a person leaning on the bonnet
15 Apr 2026

Who Does GAP Insurance Cover?

GAP insurance will cover the policyholder. Usually, this person is the owner of the car, and they must have a…

A new car sitting outside the dealership in the United Kingdom
10 Mar 2026

Do I need GAP insurance for a new car?

Having a shiny new motor is exciting. It’s easy to get carried away and hit the road as soon as…

Grey BMW parked up on a coastal road in the United Kingdom
10 Mar 2026

Is GAP insurance worth it on a used car?

Buying a used car may still be an expensive ordeal. Due to depreciation, the price of a used car is…

white VW SUV sitting outside a house in the United Kingdom on a sunny day
10 Mar 2026

Do I have to have GAP insurance?

If your bank account has taken a hit to secure the dream car that you’ve had your eye on for…

Person leaning on a car outside their house in the UK with sunshine
03 Mar 2026

What is GAP insurance?

Your brand-new motor looks, feels and smells soooo good. You promise yourself you’ll look after it, but sometimes an unexpected…

Person leaning on their white car, using their phone
10 Nov 2025

What is return to finance GAP insurance?

Don’t let your car finance haunt you every month if it's written off or stolen. It’s scaarry! Return to finance…

Person leaning on their Silver Audi Q1, using their phone with a smile on their face
10 Nov 2025

What is return to invoice GAP insurance?

Return to invoice (RTI) GAP insurance can help you climb out of a hole and stop you from hitting a…

Silver Porsche Taycan Cross Turismo parked on an open road under daylight.
08 Sep 2025

Case Study: When a Write-Off Didn’t Write Me Off

The Challenge In July 2023, I was involved in an accident that left my car a total write-off. The vehicle…

Used cars of different colours parked on the forecourt of a small British car dealership on a wet, overcast day.
04 Sep 2025

When And How Can You Get GAP Insurance?

If you are trying to work out when you can get GAP insurance, the main timing rule is straightforward. For…

A purple Mercedes-Benz SUV driving along a rural road on a sunny day, with green fields and blue sky in the background.
04 Sep 2025

Return to Value GAP Insurance

This type of GAP cover bridges the shortfall between your car’s depreciated value and the price you first forked out,…

Lease GAP Insurance
04 Sep 2025

Lease GAP Insurance

Leasing a car can feel like the smart option. You can drive something shiny and new without the long-term commitment.…

Mercedes C63 man considering GAP
04 Sep 2025

How does GAP insurance work?

GAP insurance might not be the most famous cover out there, but it could save you a serious headache. Officially…

Range rover sport - do I need gap insurance
24 Feb 2025

Do I need GAP insurance?

It’s annnnoying! Cars lose value faster than you’d like to think. A report from the AA shows a shiny new…