We’re partnered with ALA Insurance to help you get the best car GAP Insurance.

Back to Invoice:  You have up to 180 days to purchase a policy, or up to 365 days if your car was brand new when you purchased it and you have had new car replacement (new for old) cover from your motor insurer for the first 12 months.

Contract Hire GAP Insurance: You have up to 365 days after taking delivery of your car to purchase a policy.

Vehicle Replacement: You have up to 90 days after taking delivery of your car to purchase a policy – the vehicle must be less than 7 years old and have covered less than 80,000 miles at the policy start date.

If you have purchased a car more than 365 days ago or have bought it from a private seller, you can purchase an Agreed Value GAP policy at any time, as long as the car is less than 10 years old and has covered less than 100,000 miles.

Car GAP insurance cannot be renewed or extended yearly or at the end of the policy. For this reason ALA suggest that the GAP policy should last for as long as you plan to keep your car.

Vehicle Replacement and Back to Invoice GAP insurance policies can be purchased for up to a maximum of 4 years.

Contract Hire and Agreed Value GAP policies can be purchased for up to 5 years.

ALA Insurance understand that it can be difficult to know how long you might keep your car. For this reason, if you change your car before the policy expires, they will provide you with a daily pro rata rebate of the original premium which can be used in one of two ways:

1. The whole amount can be used as a credit against a brand new policy on a new vehicle. There may be a balance to pay but no admin fees are charged.
2. They can refund the rebate amount to you, but this would be subject to a £35.00 cancellation fee.

The insurers of all policies provided by ALA are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and your policy is protected under the Financial Services Compensation Scheme.

Any person driving your car is covered by your car GAP policy as long as they are a named driver on your comprehensive motor insurance policy.

Anyone driving your car under their own motor insurance or on a temporary/short term motor insurance policy will not be covered by an ALA GAP policy.

Yes, provided your motor insurer extends fully comprehensive cover to Europe (rather than the minimum insurance requirement for that country which, can sometimes be third party only) and you comply with any restrictions your Fully Comprehensive Policy enforces for a UK registered and domiciled vehicle, then the GAP Insurance will be valid.

Please note that car GAP Insurance only pays out if the primary insurer accept the insured loss under a fully comprehensive policy.

The figure shown in the gap insurance quote is the full premium for the term of cover selected, and represents the total cost for the policy.

If you choose to spread the cost of the policy and pay by Direct Debit, the premium is subject to a credit charge of 12.95%.