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64                    Call Monday-Friday 9am - 5pm Closed Weekends &amp; Bank Holidays, 56 Hamilton Square
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68                    <a class="phone-number" href="tel:08001954926"><span data-deferred-bg-image="/img/icons/blue-mobile.svg"></span> 0800 195 4926</a>
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89                    <a href="https://easygap.co.uk/other-insurance/844">Other Insurance</a>
90
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93                                    <a href="https://easygap.co.uk/motor-excess-insurance/927">Motor Excess Insurance</a>
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96                                    <a href="https://easygap.co.uk/tyre-insurance/928">Tyre Insurance</a>
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99                                    <a href="https://easygap.co.uk/tyre-and-alloy-wheel-insurance/929">Tyre and Alloy Wheel Insurance</a>
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102                                    <a href="https://easygap.co.uk/smartcare-cosmetic-insurance/930">SMARTCARE Cosmetic Insurance</a>
103                                </li>
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105                                    <a href="https://easygap.co.uk/alloy-wheel-insurance/962">Alloy Wheel Insurance</a>
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111                    <a href="https://easygap.co.uk/gap-insurance/919">Gap Insurance</a>
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114                                                            <li>
115                                    <a href="https://easygap.co.uk/combined-return-to-invoice-gap-insurance/920">Combined Return to Invoice Gap Insurance</a>
116                                </li>
117                                                            <li>
118                                    <a href="https://easygap.co.uk/contract-hire-lease-gap-insurance/921">Contract Hire  / Lease Gap Insurance</a>
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121                                    <a href="https://easygap.co.uk/motorhome-gap-insurance/923">Motorhome Gap Insurance</a>
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124                                    <a href="https://easygap.co.uk/taxi-gap-insurance/924">Taxi GAP Insurance</a>
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130                                    <a href="https://easygap.co.uk/when-wont-your-easygap-motorbike-gap-insurance-se/950">When won&#039;t your EasyGap Motorbike Gap insurance se</a>
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157                                            
158                        <li><a href="/quote/10">Alloy Wheel Insurance </a></li>
159                                            
160                        <li><a href="/quote/12">Motor Excess Insurance</a></li>
161                                            
162                        <li><a href="/quote/18">Gap Insurance </a></li>
163                                            
164                        <li><a href="/quote/19">Smart Care Cosmetic &amp; Alloy Wheel Insurance </a></li>
165                                            
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194                    <p class="opening-times">Call Monday-Friday 9am - 5pm Closed Weekends &amp; Bank Holidays</p>
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207                            <h1>
208                                <span class="title">Easy Gap Insurance</span> <br/>
209<p>Exceeding Customer Service Expectations for over a decade.
210<p>If you want to buy independently rated 5 Star policies <br>
211Which are covered by the Financial Services Compensation Scheme (FSCS) <br> 
212At Market leading genuine value for money prices,<br>
213It has to be Easy Gap<br>
214
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226                                                                                                <div class="quote-type-box" data-deferred-bg-image="/img/sections/3/Easy%20Gap%20Aequitas%20House.webp">
227                                <h3>Who are EasyGap.co.uk? </h3>
228                                <div class="content-box">
229                                    <h3>Who are EasyGap.co.uk? </h3>
230                                    <p>EasyGap is a specialist trading style of Gap Insurance Broker Aequitas Automotive Ltd. We are fully regulated by the Financial Conduct Authority (FCA) and offering fair value to customers is at the heart of all we do. </p>
231                                    <a href="https://easygap.co.uk/about-easygap/925">LEARN MORE</a>
232                                </div>
233                            </div>
234                                                                                                                        <div class="quote-type-box" data-deferred-bg-image="/img/sections/4/easygap%20real%20value%20for%20money.webp">
235                                <h3>How can Gap Insurance protect your finances?</h3>
236                                <div class="content-box">
237                                    <h3>How can Gap Insurance protect your finances?</h3>
238                                    <p>How does gap Insurance work and what will your gap insurance cover? Guaranteed Asset Protection (GAP Insurance) pays the difference between your car insurance company's market value settlement, the amount outstanding on your lease, or the original invoice price you paid.</p>
239                                    <a href="">LEARN MORE</a>
240                                </div>
241                            </div>
242                                                                                                                        <div class="quote-type-box" data-deferred-bg-image="/img/sections/5/easygap%20exceeding%20expectations.webp">
243                                <h3>Exceeding Expectations</h3>
244                                <div class="content-box">
245                                    <h3>Exceeding Expectations</h3>
246                                    <p>We know that only by listening to you, our many Gap Insurance policyholders and visitors, can we continually maintain and exceed customer expectations and offer a fair deal. We welcome constructive criticism, both good and bad. 
247</p>
248                                    <a href="https://easygap.co.uk/verified-reviews/932">LEARN MORE</a>
249                                </div>
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280
281
282        
283                            <div class="container blog-posts">
284                <div class="row-12">
285                    <div class="w-12 w-lt-6">
286                        <img src="/img/sections/8/easy gap insurance prices.webp" alt="Comparing GAP Insurance Prices">
287                        <h4>Comparing GAP Insurance Prices</h4>
288                        <div class="content">
289                            <p>At EasyGap, we pride ourselves in offering fair value to customers. 
290
291We also aim to provide some of the lowest policy Gap Insurance prices in the UK market without diluting cover features.<p>
292
293<p>If you are comparing our Gap Insurance policy premiums with the price from your motor dealer or perhaps another gap insurance provider, there are several reasons why the premiums for seemingly similar products differ.</p>
294
295<p><ul>
296<li><b>Rate of IPT</b> – When you purchase Gap Insurance independently, Insurance Premium Tax (IPT)is charged at the standard 12%. When you source a Gap Insurance policy from your dealership IPT is charged at 20%.</li>
297<li><b>Volume of sales</b> – Our business model is providing a high volume of products at low commission rates. Motor dealers may only provide a low number of policy sales and therefore have a higher commission expectation</li>
298<li><b>Supply Chains</b> – Your motor dealer supply chain may be far longer than an insurance broker, like us, who can deal much closer to the insurer of your policy</li>
299</ul></p>
300
301<p>Even when compared to other online Gap Insurance providers, EasyGap can still have significantly lower premiums. <p>
302
303<ul>
304<li><b>No paid affiliations</b>– EasyGap does not pay affiliate leads or recommendations from well-known media names. </li>
305<li><b>No gimmicks</b> – EasyGap does not raise premium prices, only to have you hunt the internet for a discount code. We think our products are still better value when discount codes have been added to other providers' products anyway. </li>
306</ul> 
307
308                        </div>
309                        <a href="https://easygap.co.uk/about-easygap/925" class="read-more">Read more</a>
310                    </div>
311                    <div class="w-12 w-lt-6">
312                        <img src="/img/sections/9/easy gap insurance contract hire .webp" alt="Contract Hire &amp; Lease GAP Insurance">
313                        <h4>Contract Hire & Lease GAP Insurance</h4>
314                        <div class="content">
315                            What happens if you fund your vehicle using a lease or contract hire agreement? 
316<br>
317<p>If your car or LCV is written off, your motor insurance company's market value settlement may not be enough to clear your financial obligations under the terms of your contract hire agreement.
318<br>
319<p>This could include differences in market value settlements, proportions of outstanding rentals, and, in some cases, early termination fees. We simply call the amount owed to your finance company a shortfall. 
320<br>
321<p>As you do not own your vehicle and do not have the legal right to take full ownership at the end of your finance agreement, you are not eligible for Return to invoice gap insurance. 
322<br>
323<p>Instead, a Lease or Contract Hire GAP Insurance policy is designed to cover the difference between your motor insurer settlement and the outstanding lease settlement you are asked for in the event of a total loss.
324<br>
325<p><strong>Deposit Protection for Advanced Rentals</strong>. You also have the option to cover your initial rental payment up to the maximum of £3000.
326<br>
327<p>All we need from you is your monthly rental figure and the length of coverage you need to get a gap insurance quote. Your gap insurance policy can also contribute towards your motor or car insurance company excess. Protecting your lease or contract hire vehicle with a form of Gap Insurance need not be difficult!
328                        </div>
329                        <a href="https://staging.easygap.co.uk/contract-hire-lease-gap-insurance/921" class="read-more">Read more</a>
330                    </div>
331                </div>
332            </div>
333        
334        
335                            <div class="full-banner" data-deferred-bg-image="/img/sections/10/buy%20easygap%20insuarnce%20now%20%28002%29.webp">
336                <div class="container">
337                    <div class="row-12">
338                        <div class="w-12">
339                            <h4>Why buy GAP Insurance from EasyGap?</h4>
340                            <div class="content">
341                                <p><ul>
342<li><b>A new car can lose up to 60% of its value in the first three years</b>– The AA</li>
343<li><b>Car thefts rose 45% in the 5 years from 2014</b> – UK Police Data</li>
344<li><b>Keyless Entry thefts can see some cars stolen in less than 10 seconds</b> – The BBC</li>
345<li><b>Nearly 400,000 vehicles are 'written off' by insurers in the UK each year</b> – UK Department of Transport</li>
346<li>Fully Comprehensive Motor Insurance may only pay the market value of the vehicle at the time you claim</li>
347<li><b>
3473 year Easy Gap Return to Invoice GAP starts at less that £100</b> </li>
348</ul> </p>
349
350                            </div>
351                            <a class="read-more" href="/quote/2">Get a Quote</a>
352                        </div>
353                    </div>
354                </div>
355            </div>
356        
357
358
359        
360                                    <div class="custom-section split" data-deferred-bg-image="/img/sections/11/easy%20gap%20insausrance%2060%20second%20guide%20to%20gap%20insurance.webp">
361                            <div class="container">
362                    <div class="row-12">
363                                                    <div class="w-12 w-lt-6 content">
364                                <h3>60 Second Guide to GAP Insurance?</h3>
365                                <ul>
366<li>GAP Insurance is an additional insurance policy that runs alongside your own vehicle or fully comprehensive car insurance.</li>
367<br>
368<li>GAP Insurance can only be claimed on if your motor insurer declares the vehicle a total loss. This can be following an accident (fault or non-fault), theft, fire, flood, etc.</li>
369<br>
370<li>Your motor insurer must pay out the market value of your vehicle at the time of loss for you to then make a successful GAP Insurance claim.</li>
371<br>
372<li>To buy GAP Insurance from EasyGap, you must have bought your vehicle or started your lease no more than 180 days ago. You must have bought or sourced your vehicle through a VAT-registered motor dealer or leasing broker. We cannot cover private or auction sales. </li>
373<br>
374<li>EasyGap can provide two types of GAP Insurance.If you can, or do, own the vehicle (e.g. cash, PCP, HP or Personal Loan), then you can buy a Combined Return to Invoice GAP. If you have the vehicle on a long-term rental lease/contract hire, then you can take Lease and Contract Hire GAP. </li>
375<br>
376<li>Combined Return to Invoice GAP covers the difference between your motor insurer settlement and the higher of either your outstanding finance settlement or the original invoice price you paid. </li>
377<br>
378<li>There are three main different types of Gap insurance: lease/finance Gap Insurance, Return to invoice gap insurance and vehicle Replacement.</li>
379<br>
380<li> The most popular types of Gap insurance tend to return to invoice as this is normally the level of cover that most dealerships offer.
381</ul> 
382                            </div>
383                            <div class="divider w-12 w-lt-2"></div>
384                                            </div>
385                </div>
386            </div>
387                                    <div class="custom-section">
388                            <div class="container">
389                    <div class="row-12">
390                                                    <div class="w-12 content">
391                                <h3>Do cars really lose that much money in just three years?</h3>
392                                At Easy Gap, we will always be completely honest. We may not tell you what you want to hear, but it will be to the best of our knowledge and always factually correct.<p>
393<br />
394So, the simple answer is yes; your vehicle can lose much of its original value in a relatively short period of time.
395<p>
396<br />
397No one ever likes to think that they have just agreed to buy a car which they know will be worth a fraction of that amount in just a couple of years. We all work and save too long and too hard for that to happen. But it does happen, and we already accept it as a natural part of life. After all, you would not expect to pay the same amount for a brand new car as you would for a four-year-old vehicle with 40,000 miles on the clock. So, we accept depreciation as a natural part of motoring, and it is never normally an issue. We looked at some of our staff cars and price-checked them to see how much they had lost, to illustrate the point.<p>
398
399For example, did you know that BMW 4 Series, 2.0 (184bhp) 420i M Sport (s/s) Gran Coupe 5d Auto has a new RRP of £35,170. Less than two and half years later, it is valued at between £16,180 and £19,120. (prices are taken from Glass's Guide website Jan 2020)<p>
400<br />
401A two and half-year-old Audi, A3 Cabriolet, 1.4 TFSI (150ps) S Line Nav (CoD) (s/s) Cabriolet 2d with a new price of £30,410 with very low mileage of just 12,000 miles is now worth between £16,930 and £19,270.<p>
402<br />
403Less than 12 months old Vauxhall, Astra, 1.6i Turbo (200ps) Elite Nav (s/s) Hatchback 5d with just 1,300 miles (yes, we know they really do have to use it more!) has an RRP of £23,670 according to Glass's guide the vehicle is now valued at between £12,130 and £14,110.<p>
404<br />
405Now imagine what would happen if any of the cars were written off. Luckily for us, we all, as you would expect, have gap insurance. Without it either member of the team could be faced with, at best, losing thousands of pounds, at worst having to continue paying for something that they no longer have. Even worse, having to take on extra financial commitments to clear the debt.<p>
406<br />
407<b>So yes, it is your car, your money and most definitely your choice. But is it really worth the risk?</b>
408                            </div>
409                                            </div>
410                </div>
411            </div>
412                                    <div class="custom-section split" data-deferred-bg-image="/img/sections/13/why%20buy%20easy%20gap%20insurance.webp">
413                            <div class="container">
414                    <div class="row-12">
415                                                    <div class="w-12 w-lt-6 content">
416                                <h3>Why EasyGap Insurance?</h3>
417                                As our name suggests, at EasyGap we try to keep things as simple as possible. Straight forward products that do what you expect them to<p>
418<br />
419This is why our system will ask you to answer questions before you can ever be shown a quotation. This is because we only ever want you to consider policies that you can benefit from. The very last thing that we would ever want is for a customer to buy a policy that they can not benefit from or to be left potentially exposed.<p>
420<br />
421Whether you are looking for GAP Insurance, Tyre & Alloy Wheel Insurance, SMARTCARE Cosmetic Insurance or Motor Excess Insurance from EasyGap, all are designed to cover you with minimum fuss, as well as offering you the best value possible.<p>
422</br><p>Another key advantage of using EasyGap is the brand is only one of several operated by our company Aequitas Automotive Ltd, in this field. We can access other comparable products (and insurers) via our sister websites at Totallossgap.co.uk, Shortfall.co.uk and GapInsurance123.co.uk. This means we can compare other products also if you wish, and switch provider if there is a better option for you.</p>
423
424                            </div>
425                            <div class="divider w-12 w-lt-2"></div>
426                                            </div>
427                </div>
428            </div>
429                                    <div class="custom-section">
430                            <div class="container">
431                    <div class="row-12">
432                                                    <div class="w-12 content">
433                                <h3>Frequently Asked Questions</h3>
434                                <p><h3>What can EasyGap provide GAP Insurance cover for?</h3></p>
435<ul>
436<li>Cars</li>
437<li>LCV's under 3500kg</li>
438</ul>
439<p>EasyGap can also provide the following products (eligible vehicles)</p>
440<ul>
441<li>Tyre and Alloy Wheel Insurance (cars only)</li>
442<li>Tyre Insurance (cars only)</li>
443<li>SMARTCARE Cosmetic Insurance (cars only)</li>
444<li>Motor Excess Insurance (cars and motorbikes)</li>
445</ul>
446<p>At present, we can not offer the following types of Gap Insurance</p>
447<ul>
448<li>Negative equity gap Insurance</li>
449<li>Agreed value Gap insurance</li>
450</ul>
451<p></p>
452<p>Eligible products can be purchased individually, so there is no requirement for you to purchase a GAP Insurance policy from us in order to buy an additional product.</p>
453<br>
454<br>
455<p><b>Who are the Financial Conduct Authority?</b><p>
456The Financial Conduct Authority (FCA)are the body that regulates all financial services in the UK with a strong focus on fair value to customers.<p>
457<br> 
458<p><b>When can you buy GAP Insurance?</b></p>
459<br>
460<p>GAP Insurance is normally available within a short time frame of buying or leasing your vehicle.EasyGap Combined Return to Invoice Gap and Lease/Contract Hire Gap must be purchased within 180 days of the vehicle purchase or the start of the lease.</p>
461<br>
462<p><b>What does 'written off' mean?</b></p>
463<p>The phrase 'written off' as a total loss means that your motor or car insurance provider deems your vehicle beyond economic repair or that it has been stolen and not recovered. Instead of repairing or replacing your vehicle, the motor or car insurance company offers you a sum of money in replacement of your vehicle.( market value settlement)</p>
464<br>
465<p><b>Why do cars depreciate in value?</b></p>
466<p>You will often hear the phrase "a brand new car loses value as soon as it leaves the garage forecourt". This initial depreciation can be, in large part, attributed to the VAT charged on a new vehicle. Vehicles will, however, continue to lose value as you cover more miles, the condition deteriorates, and the manufacturer's warranty runs down.<
466/p>
467<br>
468<p><b>Do I need Gap Insurance if I have a new car replacement with my motor insurer in year one?</b></p>
469<p>Some motor and car insurance providers will, in your first year of ownership and providing certain criteria are met, provide you with a brand new replacement vehicle if your vehicle is declared a 'write off' in year one.</p>
470<br>
471<p>However, there can be a number of reasons why you may not meet the criteria required to qualify for this. Often, you will need to be the first registered keeper for the vehicle, so 'pre-reg' vehicles may not qualify. Also, the insurer may have a set time frame within which they must be able to supply the replacement vehicle. A 6-month wait for a 'factory order' may not qualify. If the plan 'b' for your motor insurer is to settle at the market value then having GAP Insurance also can make up the difference.</p>
472<br>
473<p>You must also remember you can only buy GAP Insurance within a set time frame of buying the vehicle. With EasyGap, this is the first 180 days. If you wait a year from the time you purchase your car then you may struggle to find suitable GAP Insurance for further years.</p>
474<br>
475<p><b>Do I have to buy GAP Insurance from the motor dealer?</b></p>
476<p>No. Often the first time you will be told about GAP Insurance will be by the dealer who sells you the vehicle. The decision on whether you buy GAP Insurance from the dealer or from an independent provider like EasyGap is entirely up to you.</p>
477<br>
478<p><b>Why is GAP Insurance more expensive at motor dealers?</b></p>
479<p>There are a number of reasons for this, and a dilution of cover or poor levels of customer service is not one of them.</p><br>
480<p>Gap Insurance policies and supplementary products at Motor Dealers attract a higher rate of Insurance Premium Tax (20% as of January 2026) than the standard rate you pay at independent brands like EasyGap (12% currently).
481<p>Commission structures, longer supply chains, and volume of business can all be contributing factors as to why GAP Insurance policies are more expensive at motor dealers.</p>
482<br>
483<p><b>Who underwrites the EasyGap products?</b></p>
484<p>EasyGAP has promoted a number of products from different insurers. Please check your policy documents for full details, or contact us and we can confirm it for you.</p>
485<br><p>There are dedicated claims teams for all the products that EasyGAP provide. Please check your policy documentation for full details.</p><br>
486<p>Products are backed by the Financial Services Compensation Scheme in the UK, also.</p>
487
488
489
490
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498                                                    <div class="w-12 content">
499                                <h3>How does Gap Insurance work?</h3>
500                                The concept of gap insurance is that without any level of coverage, if your vehicle is written off, your fully comprehensive motor insurance is only required to offer you the market value. <p>
501<br>
502The market value you are offered is the amount your motor insurance provider thinks you will have to pay to replace your vehicle with another exactly the same as yours was on the incident that happened for them to decide to write your vehicle off. 
503<p>
504<br>This can leave a big gap between the amount you originally paid and the outstanding balance on your finance, contract hire or lease agreement.
505<p>
506<br>
507Gap insurance covers the gap left behind after your fully comprehensive motor insurance settlement and ensures you are not left out of pocket or, worse, left paying for a vehicle you no longer have the use of.
508                            </div>
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516                                <h3>What your Gap Insurance will not cover?</h3>
517                                <ul>
518<li>Your GAP Insurance policy will not cover you if your fully comprehensive motor insurance does not agree that you have a valid claim and offers you a market value settlement. e.g drink driving</li>
519<br>
520<li>Your GAP Insurance policy will pay out if you use your vehicle for any form of competition, racing or rally purposes.</li>
521<br>
522<li>Your GAP Insurance policy will not cover any negative equity that you have from an old finance agreement that you have added to the purchase of your new vehicle. (negative equity Gap insurance policy).</li>
523<br>
524<li>Your GAP Insurance policy will not settle if you bought your vehicle over 90 days ago.</li>
525<br>
526<li>Your GAP Insurance will not be valid if you have a provisional licence. </li>
527<br>
528<li>Your GAP Insurance policy will not cover anyone under the age of 18.</li>
529<br>
530<li>Your GAP Insurance policy will not be valid if you use your vehicle in connection with the motor trade. e.g as a body shop loan car. </li>
531<br>
532<li>Your GAP Insurance policy will not cover any fraudulent or dishonest claims.</li>
533<br>
534<li>Your GAP Insurance policy will not cover you if your policy has already expired. </li>
535<br>
536<li>Your GAP Insurance policy will not be valid unless you are comprehensively insured for the duration of your policy. </li>
537</ul> 
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563                <p>Aequitas Automotive Limited is Authorised and Regulated by the Financial Conduct Authority. Our FCA Number is 821163. Aequitas Automotive Limited’s permitted business is arranging general insurance contracts and consumer credit broking, but not as a lender. Aequitas Automotive Limited’s registered address is Aequitas House, 56 Hamilton Square, Birkenhead, Wirral CH41 5AS.</p>
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