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https://gapinsurance.co.uk/about-us.asp

html gapinsurance.co.uk collected 2026-10-08 07:11:47 UTC 76,433 bytes, 1,240 lines download raw bytes

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76    <meta name="viewport" content="width=device-width, initial-scale=1.0" />
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78    <title>About GAPinsurance.co.uk | UK GAP Insurance Since 2004</title>
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80    <meta name="description" content="Learn about GAPinsurance.co.uk, the UK's original online GAP insurance specialist, established in 2004 and focused on customer-first cover." />
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195
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204<div class="container print-hidden">
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210                <!-- DESKTOP: FEEFO LEFT -->
211                <div class="col-md-3 hidden-xs hidden-sm" align="left" style="padding-top:35px;">
212                    <img src="../../images/2026FeefoPlatinum.svg"
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214                         loading="lazy"
215                         alt="We're proud to be Feefo Platinum Rated for 2026"
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239                        </a><br>
240                        <small style="font-size:13px; opacity:0.75; color:#2E3192;">
241                            Mon-Fri: 09:30 to 17:00
242                        </small>
243                    </p>
244                </div>
245
246                <!-- MOBILE: PHONE -->
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249                        <a class="tel" href="tel:+441484490095" style="text-decoration:none;">
250                            <i class="fa fa-phone"></i>
251                            01484 490095
252                        </a><br>
253                        <small style="font-size:13px; opacity:0.75; color:#2E3192;">
254                            Mon-Fri: 09:30 to 17:00
255                        </small>
256                    </p>
257                </div>
258
259                <!-- MOBILE: FEEFO -->
260                <div class="col-xs-12 visible-xs visible-sm text-center" style="padding-top:13px;">
261                    <img src="../../images/2026FeefoPlatinum.svg"
262                         width="200"
263                         alt="We're proud to be Feefo Platinum Rated for 2026"
264                         title="Feefo Platinum Rated 2026">
265                </div>
266
267            </div>
268        </header>
269    </div>
270</div>
271
272<nav class="navbar navbar-default sticky-top" role="navigation">
273
274    <div class="container">
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276        <div class="row">
277
278            <div class="navbar-header">
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284                    <span class="icon-bar"></span>
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286                    <span class="icon-bar"></span>
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288                    <span class="icon-bar"></span>
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290                </button>
291            </div>
292
293            <div class="collapse navbar-collapse" id="main-navigation">
294				
295				<ul class="nav navbar-nav">
296		
297		<!-- Home -->
298		<li class="dropdown">
299            <a href="#" class="dropdown-toggle" data-toggle="dropdown" role="button" aria-haspopup="true" aria-expanded="false"><i class="fa fa-home fa-lg"></i></a>
300            <ul class="dropdown-menu">
301					<li><a href="../../">Home</a></li>
302					<li><a href="/contact-us.asp">Contact Us</a></li>
303					<li><a href="/jobs/">Work for us</a></li>
304					<li class="divider"></li>
305					<li><a href="/guides/">GAP Insurance Guides</a></li>
306					<li><a href="/how-to-claim.asp">How To Claim</a></li>
307					</ul>
308				</li>                      
309					
310		<!-- Testimonials -->
311		<li class="dropdown">
312			<a href="#" class="dropdown-toggle" data-toggle="dropdown" role="button" aria-haspopup="true" aria-expanded="false"> Reviews<span class="caret"></span></a>
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314				<li><a href="/testimonials.asp">Customer Service Reviews</a></li>
315				<li><a href="/claimfeedback.asp">Claim Experience Reviews</a></li>
316			</ul>
317		</li>                    
318
319        <!-- Contract Hire GAP insurance -->
320        <li class="dropdown">
321                          <a href="#" class="dropdown-toggle" data-toggle="dropdown" role="button" aria-haspopup="true" aria-expanded="false">Contract Hire GAP<span class="caret"></span></a>
322                          <ul class="dropdown-menu">
323                            <li><a href="../../contract-hire-gap-insurance.asp">About Contract Hire GAP insurance</a></li>
324                            <li><a href="../../compare-contract-hire-gap-insurance.asp">Comparing Contract Hire GAP insurance</a></li>
325                            <li class="divider"></li>
326                            <li><a href="../../excluded-vehicles.asp">Excluded Vehicles</a></li>
327                            <li><a href="../../policy-terms-and-conditions.asp">Policy Terms &amp; Conditions</a></li>
328                            <li class="divider"></li>
329                            <li>
329<a href="../../how-to-claim.asp">How to claim</a></li>
330                            <li><a href="/gap-insurance-statistics.asp">Claim Statistics</a></li>
331            <li class="divider"></li>
332              <li><a href="/how-do-our-gap-insurance-policies-compare.asp">Compare GAP insurance</a></li>
333              <li><a href="/a-rated-insurer.asp">A-Rated Insurer</a></li>
334              <li><a href="/money-back-guarantee.asp">Money Back Guarantee</a></li>
335              <li><a href="/5star-rated.asp">5-Star Rated Policies</a></li>
336              <li><a href="/total-loss-courtesy-car.asp">Total Loss Courtesy Car</a></li>
337              <li><a href="/new-for-old-promise.asp">Our New-for-old Promise</a></li> 
338              <li><a href="/cash-payouts.asp">Cash Payouts</a></li>
339              <li><a href="/no-market-value-clauses.asp">NO Market Value Clauses</a></li>
340              <li><a href="/gap-insurance-uk-insurer.asp">UK Based Insurer</a></li>
341              <li class="divider"></li>
342              <li class="dropdown-submenu"><a href="#" class="dropdown-toggle" data-toggle="dropdown">Related info</a>
343              <ul class="dropdown-menu">
344                <li><a href="/gap-insurance-deferred-start-dates.asp">Deferred Start Dates</a></li>
345                <li><a href="/gap-insurance-finance-settled.asp">Finance Settled</a></li>
346                <li><a href="/gap-insurance-free-amendments.asp">Free Amendments</a></li>
347                <li><a href="/gap-insurance-free-transfers.asp">Free Transfers</a></li>
348                <li><a href="/gap-insurance-modified-vehicles.asp">Modified Vehicles</a></li>
349                <li><a href="/gap-insurance-theft-with-keys.asp">Theft With Keys</a></li>
350                <li><a href="/gap-insurance-claim-limits.asp"> Claim Limits</a></li>
351                <li><a href="/gap-insurance-vehicle-options-and-accessories.asp">Vehicle Accessories &amp; Options</a></li>
352                </ul>
353            </li>
354                          </ul>
355                        </li>        
356                    
357         <!--Invoice GAP insurance -->
358        <li class="dropdown">
359          <a href="#" class="dropdown-toggle" data-toggle="dropdown" role="button" aria-haspopup="true" aria-expanded="false">Invoice GAP<span class="caret"></span></a>
360          <ul class="dropdown-menu">
361            <li><a href="../../invoice-gap-insurance.asp">About Invoice GAP insurance</a></li>
362            <li><a href="../../compare-invoice-gap-insurance.asp">Comparing Invoice GAP insurance</a></li>
363            <li class="divider"></li>
364            <li><a href="../../excluded-vehicles.asp">Excluded Vehicles</a></li>
365            <li><a href="../../policy-terms-and-conditions.asp">Policy Terms &amp; Conditions</a></li>
366            <li class="divider"></li>
367            <li><a href="../../how-to-claim.asp">How to claim</a></li>
368            <li><a href="/gap-insurance-statistics.asp">Claim Statistics</a></li>
369            <li class="divider"></li>
370              <li><a href="/how-do-our-gap-insurance-policies-compare.asp">Compare GAP insurance</a></li>
371              <li><a href="/a-rated-insurer.asp">A-Rated Insurer</a></li>
372              <li><a href="/money-back-guarantee.asp">Money Back Guarantee</a></li>
373              <li><a href="/5star-rated.asp">5-Star Rated Policies</a></li>
374              <li><a href="/total-loss-courtesy-car.asp">Total Loss Courtesy Car</a></li>
375              <li><a href="/new-for-old-promise.asp">Our New-for-old Promise</a></li> 
376              <li><a href="/cash-payouts.asp">Cash Payouts</a></li>
377              <li><a href="/no-market-value-clauses.asp">NO Market Value Clauses</a></li>
378              <li><a href="/gap-insurance-uk-insurer.asp">UK Based Insurer</a></li>
379          	<li class="divider"></li>
380            <li class="dropdown-submenu"><a href="#" class="dropdown-toggle" data-toggle="dropdown">Related info</a>
381          <ul class="dropdown-menu">
382            <li><a href="/gap-insurance-deferred-start-dates.asp">Deferred Start Dates</a></li>
383            <li><a href="/gap-insurance-finance-settled.asp">Finance Settled</a></li>
384            <li><a href="/gap-insurance-free-amendments.asp">Free Amendments</a></li>
385            <li><a href="/gap-insurance-free-transfers.asp">Free Transfers</a></li>
386            <li><a href="/gap-insurance-modified-vehicles.asp">Modified Vehicles</a></li>
387            <li><a href="/gap-insurance-theft-with-keys.asp">Theft With Keys</a></li>
388            <li><a href="/gap-insurance-claim-limits.asp"> Claim Limits</a></li>
389            <li><a href="/gap-insurance-vehicle-options-and-accessories.asp">Vehicle Accessories &amp; Options</a></li>
390            </ul>
391        </li>
392          </ul>
393        </li>
394        
395        <!-- Replacement GAP insurance -->
396        <li class="dropdown">
397                  <a href="#" class="dropdown-toggle" data-toggle="dropdown" role="button" aria-haspopup="true" aria-expanded="false">Replacement GAP<span class="caret"></span></a>
398            <ul class="dropdown-menu">
399              <li><a href="../../replacement-gap-insurance.asp">About Replacement GAP insurance</a></li>
400                    <li><a href="../../compare-replacement-gap-insurance.asp">Comparing Replacement GAP insurance</a></li>
401                    <li class="divider"></li>
402                    <li><a href="../../excluded-vehicles.asp">Excluded Vehicles</a></li>
403                    <li><a href="../../policy-terms-and-conditions.asp">Policy  Terms &amp; Conditions</a></li>
404              <li class="divider"></li>
405                    <li>
405<a href="../../how-to-claim.asp">How to claim</a></li>
406                    <li><a href="/gap-insurance-statistics.asp">Claim Statistics</a></li>
407            <li class="divider"></li>
408              <li><a href="/how-do-our-gap-insurance-policies-compare.asp">Compare GAP insurance</a></li>
409              <li><a href="/a-rated-insurer.asp">A-Rated Insurer</a></li>
410              <li><a href="/money-back-guarantee.asp">Money Back Guarantee</a></li>
411              <li><a href="/5star-rated.asp">5-Star Rated Policies</a></li>
412              <li><a href="/total-loss-courtesy-car.asp">Total Loss Courtesy Car</a></li>
413              <li><a href="/new-for-old-promise.asp">Our New-for-old Promise</a></li> 
414              <li><a href="/cash-payouts.asp">Cash Payouts</a></li>
415              <li><a href="/no-market-value-clauses.asp">NO Market Value Clauses</a></li>
416              <li><a href="/gap-insurance-uk-insurer.asp">UK Based Insurer</a></li>
417              <li class="divider"></li>
418              <li class="dropdown-submenu"><a href="#" class="dropdown-toggle" data-toggle="dropdown">Related info</a>
419              <ul class="dropdown-menu">
420                <li><a href="/gap-insurance-deferred-start-dates.asp">Deferred Start Dates</a></li>
421                <li><a href="/gap-insurance-finance-settled.asp">Finance Settled</a></li>
422                <li><a href="/gap-insurance-free-amendments.asp">Free Amendments</a></li>
423                <li><a href="/gap-insurance-free-transfers.asp">Free Transfers</a></li>
424                <li><a href="/gap-insurance-modified-vehicles.asp">Modified Vehicles</a></li>
425                <li><a href="/gap-insurance-theft-with-keys.asp">Theft With Keys</a></li>
426                <li><a href="/gap-insurance-claim-limits.asp"> Claim Limits</a></li>
427                <li><a href="/gap-insurance-vehicle-options-and-accessories.asp">Vehicle Accessories &amp; Options</a></li>
428                </ul>
429            </li>
430                  </ul>
431                </li>
432                
433        <!-- Top-Up GAP insurance -->
434        <li class="dropdown">
435                  <a href="#" class="dropdown-toggle" data-toggle="dropdown" role="button" aria-haspopup="true" aria-expanded="false">Top-Up GAP<span class="caret"></span></a>
436            <ul class="dropdown-menu">
437              <li><a href="../../top-up-gap-insurance.asp">About Top-Up GAP insurance</a></li>
438                    <li><a href="../../compare-top-up-gap-insurance.asp">Comparing Top-Up GAP insurance</a></li>
439                    <li class="divider"></li>
440                    <li><a href="../../excluded-vehicles.asp">Excluded Vehicles</a></li>
441                    <li><a href="../../policy-terms-and-conditions.asp">Policy  Terms &amp; Conditions</a></li>
442              <li class="divider"></li>
443                    <li><a href="../../how-to-claim.asp">How to claim</a></li>
444                    <li><a href="/gap-insurance-statistics.asp">Claim Statistics</a></li>
445            <li class="divider"></li>
446              <li><a href="/how-do-our-gap-insurance-policies-compare.asp">Compare GAP insurance</a></li>
447              <li><a href="/a-rated-insurer.asp">A-Rated Insurer</a></li>
448              <li><a href="/money-back-guarantee.asp">Money Back Guarantee</a></li>
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497                  <li class="active">About GAPinsurance.co.uk</li>
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509<div class="wrapper-padded wrapper-white wrapper-border-bottom">
510    <div class="container">
511        <div class="row">
512            <div class="col-md-12 justify">
513                <h1>About GAPinsurance.co.uk</h1>
514                <p class="lead">GAPinsurance.co.uk has been helping UK drivers arrange GAP insurance online since 2004. We started because we thought people deserved a calmer, clearer and better-value alternative to buying GAP insurance from a motor dealer.</p>
515                <p>If that sounds a little personal, it is. This business was not dreamt up in a boardroom. It started with one person, a small loan from his parents, a computer, a telephone and a stubborn belief that customers were not being treated as fairly as they should have been.</p>
516            </div>
517        </div>
518    </div>
519</div>
520
521<div class="wrapper-padded wrapper-grey wrapper-border-bottom">
522    <div class="container">
523        <div class="row">
524            <div class="col-md-12 justify">
525                <h2>Why we started</h2>
526                <p>In late 2003, whilst working for an online car dealer, David Burns-Keane was asked to create a website that could sell GAP insurance to car buyers. The more he looked at how GAP insurance was being sold in the wider motor trade, the less comfortable he became.</p>
527                <p>Too often, GAP insurance was expensive, rushed and poorly explained. Customers were being asked to make a decision at the very point they were already dealing with the pressure of buying a car, arranging finance and getting everything signed.</p>
528                <p>David thought there had to be a better way. In March 2004, he launched what he understands became the UK's first independent, specialist, direct-to-consumer online GAP insurance provider.</p>
529            </div>
530        </div>
531    </div>
532</div>
533
534<div class="wrapper-padded wrapper-white wrapper-border-bottom">
535    <div class="container">
536        <div class="row">
537            <div class="col-md-12 justify">
538                <h2>The early years</h2>
539                <p>The original business traded as Surf and Protect, with GAPinsurance.co.uk following shortly afterwards as a trading style. It was a proper David and Goliath situation. We were small, independent and online at a time when many customers had only just heard of GAP insurance from the dealer selling them their car.</p>
540                <p>Some dealers warned customers away from independent alternatives. Some customers were understandably cautious. But slowly, by focusing on fairer pricing, clearer explanations and genuine help when people needed it, the business earned trust.</p>
541                <p>That is still the bit we care about most. GAP insurance is a financial product, yes, but behind every quote and every claim there is a person trying to protect themselves from a nasty surprise if their vehicle is written off.</p>
542            </div>
543        </div>
544    </div>
545</div>
546
547<div class="wrapper-padded wrapper-grey wrapper-border-bottom">
548    <div class="container">
549        <div class="row">
550            <div class="col-md-12 justify">
551                <h2>Rebuilding the business</h2>
552                <p>After a change of ownership and a difficult period for the original Surf and Protect business, David re-acquired the GAPinsurance.co.uk brand and relau
552nched it properly in 2012 alongside Andrew Pickles of Frank Pickles (Insurance Brokers) Ltd.</p>
553                <p>In August 2016, GAPinsurance.co.uk and its assets were acquired by Pickles &amp; Burns Ltd. The business later moved from Otley to Holmfirth, giving David an even more hands-on role in how policies were designed, explained and supported.</p>
554                <div class="alert alert-info">
555                    <p><strong>Our approach has stayed deliberately simple:</strong> explain GAP insurance clearly, keep the sales process low-pressure and help customers choose cover because they understand it, not because they have been pushed into it.</p>
556                </div>
557            </div>
558        </div>
559    </div>
560</div>
561
562<div class="wrapper-padded wrapper-white wrapper-border-bottom">
563    <div class="container">
564        <div class="row">
565            <div class="col-md-12 justify">
566                <h2>The 2024 FCA intervention</h2>
567                <p>In 2024, the GAP insurance market changed dramatically after the Financial Conduct Authority intervened over concerns about product value and the way GAP insurance was being sold, particularly through motor dealers. In principle, we understood the concern. We had been talking about the problems with dealer-led GAP insurance sales for years.</p>
568                <p>The difficult part was how bluntly the intervention landed. Because our then-underwriter also supplied entirely separate motor dealer GAP insurance schemes, we were caught in the crossfire. We had to stop selling GAP insurance policies in February 2024 and were not given permission to start again until mid-June 2024.</p>
569                <p>That was an incredibly tough period. After two decades of trying to give customers the kind of lower-pressure, better-value online alternative the regulator said it wanted people to find, it was hard not to feel that common sense had taken the scenic route.</p>
570                <p>Still, we got through it. Not easily, not quickly, but we got through it.</p>
571            </div>
572        </div>
573    </div>
574</div>
575
576<div class="wrapper-padded wrapper-grey wrapper-border-bottom">
577    <div class="container">
578        <div class="row">
579            <div class="col-md-12 justify">
580                <h2>Where we are today</h2>
581                <p>We are steadily building back. GAPinsurance.co.uk now offers eligible customers access to GAP insurance options from more than one provider, including Arch Insurance (UK) Limited and Helvetia Global Solutions Ltd UK Branch, depending on the policy type, vehicle details and underwriting criteria.</p>
582                <p>That means policy features, claim limits, eligibility rules and available add-ons can vary. Our job is to make those differences clear, explain the trade-offs properly and help you understand what you are buying before you buy it.</p>
583                <div class="panel panel-success">
584                    <div class="panel-heading">
585                        <h3 class="panel-title">Still here to help</h3>
586                    </div>
587                    <div class="panel-body">
588                        <p>If you have questions about GAP insurance, want help choosing the right policy for your vehicle, or simply want someone to sense-check what you have been told elsewhere, please <a href="/contact-us.asp">contact us</a>. We will be happy to help.</p>
589                    </div>
590                </div>
591                <p><a href="/gap-insurance-quote.asp" class="btn btn-success btn-lg btn-block text-uppercase"><strong>Get a GAP insurance quote</strong></a></p>
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602<div class="col-md-12 col-xs-12 justify">
603
604						
605
606<div class="row">
607      <div class="col-md-6">
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609                <div class="col-md-3 col-xs-6 center-block">
610        <!-- A Rated Insurer -->    
611        <a data-toggle="modal" href="javascript:;" data-target="#ARatedHelp">
612        <img src="../../images/featureicons/colour/ARated.png" height="175" width="172" alt="A-Rated Insurer" name="ARated" class="img-responsive fade-in img-circle" id="ARated" title="A-Rated Insurer"/>
613			<p class="text-center small">A-Rated<br>
614Insurer</p>
615        </a>
616                    
617                </div>
618                <div class="col-md-3 col-xs-6 center-block">
619        <!-- UK Based Insurer -->    
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621        <img src="../../images/featureicons/colour/UKBased.png" height="175" width="172" alt="UK Based Insurer" name="UKBased" class="img-responsive fade-in img-circle" id="UKBased" title="UK Based Insurer" />
622			<p class="text-center small">UK-Based<br>
623Insurer</p>
624        </a>
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627        <!-- Market Value -->    
628        <a data-toggle="modal" href="javascript:;" data-target="#MarketValueHelp">
629        <img src="../../images/featureicons/colour/MarketValue.png" height="175" width="172" alt="No Market Value Clauses" name="MarketValue" class="img-responsive fade-in img-circle" id="MarketValue" title="No Market Value Clauses" />
630			<p class="text-center small">NO Market<br>
631Value Clause</p>
632        </a>
633                </div>
634                <div class="col-md-3 col-xs-6 center-block">
635        <!-- Cash Payouts -->    
636        <a data-toggle="modal" href="javascript:;" data-target="#CashPayoutsHelp">
637        <img src="../../images/featureicons/colour/Cash.png" height="175" width="172" alt="Cash Payouts" name="Cash" class="img-responsive fade-in img-circle" id="Cash" title="Cash Payouts" />
638			<p class="text-center small">Cash<br>
639Payouts</p>
640        </a>
641                </div>
642          </div>
643    </div> 
644    <div class="col-md-6">
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649        <img src="../../images/featureicons/colour/30Day.png" height="175" width="172" alt="30 Day Money Back Guarantee" name="MoneyBack" class="img-responsive fade-in img-circle" id="MoneyBack" title="30 Day Money Back Guarantee" />
650			<p class="text-center small">30-Day Cooling<br>
651Off Period</p>
652        </a>
653                </div>
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655        <!-- 5 Star Rated -->    
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657        <img src="../../images/featureicons/colour/5Star.png" height="175" width="172" alt="5 Star Rated Policies" name="Star5" class="img-responsive fade-in img-circle" id="Star5" title="5 Star Rated Policies" />
658			<p class="text-center small">5-Star<br>
659Rated Policies</p>
660        </a>
661                </div>
662                <div class="col-md-3 col-xs-6 center-block">
663        <!-- New-For-Old Protection -->    
664        <a data-toggle="modal" href="javascript:;" data-target="#N4OPromise">
665        <img src="../../images/featureicons/colour/NewForOld.png" height="175" width="172" alt="New-for-old protection" name="NewForOld" class="img-responsive fade-in img-circle" id="NewForOld" title="New-For-Old Promise" />
666			<p class="text-center small">New-for-old<br> 
667			Promise
668</p>
669        </a>
670                </div>
671                <div class="col-md-3 col-xs-6 center-block">
672        <!-- TLCc -->    
673
674                    <a data-toggle="modal" href="javascript:;" data-target="#TRVHelp">
675        <img src="../../images/featureicons/colour/TLCc.png" height="175" width="172" alt="Total Loss Courtesy car" name="TLCc" class="img-responsive fade-in img-circle" id="TLCc" title="Total Loss Courtesy car" />
676			<p class="text-center small"><strong>T</strong>otal <strong>L</strong>oss<br>
677<strong>C</strong>ourtesy <strong>c</strong>ar</p>
678        </a>
679                </div>
680          </div>
681    </div>
682</div>
683
684
685
686
687
688
689
690
691            </div>
692    </div>
693</div>
694	
695<div class="wrapper wrapper-padded wrapper-grey wrapper-border-bottom">
696    <div class="container">
697				
698	        <div class="row">
699            <div class="col-md-12 col-xs-12 text-center">
700            <div id="feefo-service-review-carousel-widgetId" class="feefo-review-carousel-widget-service text-left" style="height: 234px;" title="Feefo customer review carousel showing real customer feedback">
701</div>
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703            </div>
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706    </div>
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708
709<div class="modal fade" id="ARatedHelp" tabindex="-1" role="dialog" aria-labelledby="ARatedHelpLabel" aria-hidden="true">
710    <div class="modal-dialog modal-lg">
711        <div class="modal-content">
712            <div class="modal-header alert-info">
713                <button type="button" class="close" data-dismiss="modal" aria-label="Close"><span aria-hidden="true">&times;</span></button>
714                <h4 class="modal-title" id="ARatedHelpLabel"><i class="fa fa-question-circle"></i> A-Rated Insurer</h4>
715            </div>
716            <div class="modal-body justify">
717                <div class="wrapper">
718                
719<div class="media">
720    <div class="media-left"><img src="../../images/featureicons/colour/ARated.png" alt="A-Rated Insurer" title="A-Rated Insurer" width="87" class="media-object" /></div>
721  <div class="media-body">
722  <h2 class="media-heading">Policies underwritten by an A-rated insurer</h2>
723      <p>Our GAP insurance policies are underwritten by either Arch Insurance (UK) Limited or Helvetia Global Solutions Ltd UK Branch, depending on the type of policy and eligibility criteria that apply.</p>
724
725				<h3>Arch Insurance (UK) Limited</h3>
726<p>Arch UK has 11 locations across the United Kingdom with a customer-focused ethos. Arch has been recognised for a range of awards and accolades which can be seen <a href="https://insurance.archgroup.com/business/international/awards-recognitions/" title="Arch Awards" target="_blank">here</a>. </p>
727<p>Arch Insurance (UK) Limited is part of Arch Capital Group Ltd., which reported a
727pproximately US$28.3 billion in capital as at 30 June 2026.</p>
728<h4>Arch Insurance (UK) Limited: Financial Strength Ratings:</h4>
729<div class="row">
730    
731    
732<div class="col-md-6 col-xs-12">
733          
734    <table class="table table-striped table-hover">
735  <tr>
736      <td>Standard &amp; Poor's</td>
737      <td><strong>AA-</strong></td>
738      </tr>
739          <tr>
740      <td>A.M. Best Company</td>
741      <td><strong>A+</strong></td>
742        </tr>
743
744          <tr>
745      <td>Fitch</td>
746      <td><strong>AA-</strong></td>
747        </tr>
748
749          <tr>
750      <td>Moody's</td>
751      <td><strong>A1</strong></td>
752        </tr>
753
754</table>
755          
756</div>
757</div>
758<h3>Helvetia Global Solutions Ltd UK Branch</h3>
759<p>Helvetia Global Solutions Ltd UK Branch is the UK branch of Helvetia Global Solutions Ltd, which forms part of the wider Helvetia group of companies.</p>
760<p>Helvetia Global Solutions provides international specialty insurance solutions and operates through branch offices in a number of countries, including the United Kingdom.</p>
761<h4>Helvetia Global Solutions Ltd: Financial Strength Ratings:</h4>
762<div class="row">
763    
764    
765<div class="col-xs-12">
766          
767    <table class="table table-striped table-hover text-left">
768  <tr>
769      <td>Standard &amp; Poor's</td>
770      <td class="text-nowrap"><strong>A/stable</strong></td>
771      </tr>
772
773</table>
774          
775</div>
776</div>
777
778<h4>Helvetia Group: Financial Strength Ratings:</h4>
779<div class="row">
780    
781    
782<div class="col-xs-12">
783          
784    <table class="table table-striped table-hover text-left">
785  <tr>
786      <td>Standard &amp; Poor's</td>
787      <td class="text-nowrap"><strong>A+/stable</strong></td>
788      </tr>
789
790</table>
791          
792</div>
793</div>
794
795              
796    <p>With <span class="text-danger"><strong>FIVE</strong></span> unrated, offshore underwriters of GAP insurance having gone bust in the last few years, it's now more important than ever to ensure you choose a policy backed by financial resources sufficient enough to ensure that the policy will be there when you need it most.</p>
797    <h4 class="media-heading">Aren't unrated insurers covered by the FSCS?</h4>
798    <p>FSCS protection can help if your insurer fails, but it does not guarantee that your GAP insurance will continue. Where protection applies, FSCS generally covers 90% of valid GAP insurance claims.</p>
799    <p>If replacement cover cannot be arranged and your policy is cancelled, compensation will normally be based on the unused insurance premium. For most general insurance policies, FSCS covers 90% of that remaining premium, not 90% of everything you originally paid. Administration fees may not be covered.</p>
800    <p>You could therefore be left without GAP insurance, and it may be too late to buy a replacement policy.</p>
801    <p>Whilst a policy backed by a rated insurer can attract a little higher premium for the policy, the risks of buying a policy from an unrated, offshore insurer are, in our opinion, simply too great.</p>
802  </div>
803</div>
804
805    
806                </div>  
807            </div>
808            <div class="modal-footer">
809                <p class="text-center text-muted small"><em>If you'd like to discuss this in more detail with us, please <a href="../../contact-us.asp">contact us</a> for assistance.</em></p>
810                <button type="button" class="btn-primary" onclick='' data-dismiss="modal">Close</button>
811            </div>
812        </div>
813    </div>
814</div><div class="modal fade" id="UKBasedHelp" tabindex="-1" role="dialog" aria-labelledby="UKBasedHelpLabel" aria-hidden="true">
815    <div class="modal-dialog modal-lg">
816        <div class="modal-content">
817            <div class="modal-header alert-info">
818                <button type="button" class="close" data-dismiss="modal" aria-label="Close"><span aria-hidden="true">&times;</span></button>
819                <h4 class="modal-title" id="UKBasedHelpLabel"><i class="fa fa-question-circle"></i> UK Based Insurer</h4>
820            </div>
821            <div class="modal-body justify">
822                <div class="wrapper">
823                
824<div class="media">
825  <div class="media-left"><img src="../../images/featureicons/colour/UKBased.png" alt="UK Based Insurer" title="UK Based Insurer" width="87" class="media-object" /></div>
826  <div class="media-body">
827    <h4 class="media-heading">Meet our GAP insurance underwriters</h4>
828    <p>Our GAP insurance policies are underwritten by Arch Insurance (UK) Limited or Helvetia Global Solutions Ltd UK Branch, depending on the policy you choose. Both operate in the UK.</p>
829      
830				<h3>Arch Insurance (UK) Limited</h3>
831<p>Arch UK has 11 locations across the United Kingdom with a customer-focused ethos. Arch has been recognised for a range of awards and accolades which can be seen <a href="https://insurance.archgroup.com/business/international/awards-recognitions/" title="Arch Awards" target="_blank">here</a>. </p>
832<p>Arch Insurance (UK) Limited is part of Arch Capital Group Ltd., which reported a
832pproximately US$28.3 billion in capital as at 30 June 2026.</p>
833<h4>Arch Insurance (UK) Limited: Financial Strength Ratings:</h4>
834<div class="row">
835    
836    
837<div class="col-md-6 col-xs-12">
838          
839    <table class="table table-striped table-hover">
840  <tr>
841      <td>Standard &amp; Poor's</td>
842      <td><strong>AA-</strong></td>
843      </tr>
844          <tr>
845      <td>A.M. Best Company</td>
846      <td><strong>A+</strong></td>
847        </tr>
848
849          <tr>
850      <td>Fitch</td>
851      <td><strong>AA-</strong></td>
852        </tr>
853
854          <tr>
855      <td>Moody's</td>
856      <td><strong>A1</strong></td>
857        </tr>
858
859</table>
860          
861</div>
862</div>
863<h3>Helvetia Global Solutions Ltd UK Branch</h3>
864<p>Helvetia Global Solutions Ltd UK Branch is the UK branch of Helvetia Global Solutions Ltd, which forms part of the wider Helvetia group of companies.</p>
865<p>Helvetia Global Solutions provides international specialty insurance solutions and operates through branch offices in a number of countries, including the United Kingdom.</p>
866<h4>Helvetia Global Solutions Ltd: Financial Strength Ratings:</h4>
867<div class="row">
868    
869    
870<div class="col-xs-12">
871          
872    <table class="table table-striped table-hover text-left">
873  <tr>
874      <td>Standard &amp; Poor's</td>
875      <td class="text-nowrap"><strong>A/stable</strong></td>
876      </tr>
877
878</table>
879          
880</div>
881</div>
882
883<h4>Helvetia Group: Financial Strength Ratings:</h4>
884<div class="row">
885    
886    
887<div class="col-xs-12">
888          
889    <table class="table table-striped table-hover text-left">
890  <tr>
891      <td>Standard &amp; Poor's</td>
892      <td class="text-nowrap"><strong>A+/stable</strong></td>
893      </tr>
894
895</table>
896          
897</div>
898</div>
899
900      
901    <p>Past failures of GAP insurance underwriters show why it is worth checking both the insurer's financial strength and the protection available if it fails.</p>
902    <h4 class="media-heading">What happens if an insurer fails?</h4>
903    <p>FSCS protection can help if your insurer fails, but it does not guarantee that your GAP insurance will continue. Where protection applies, FSCS generally covers 90% of valid GAP insurance claims.</p>
904    <p>If replacement cover cannot be arranged and your policy is cancelled, compensation will normally be based on the unused insurance premium. For most general insurance policies, FSCS covers 90% of that remaining premium, not 90% of everything you originally paid. Administration fees may not be covered.</p>
905    <p>You could therefore be left without GAP insurance, and it may be too late to buy a replacement policy.</p>
906    <p>Whilst a policy from an offshore, unrated insurer might well be slightly cheaper upfront, we believe that the risks are simply too high and as a result, we only ever deal with large, rated insurers operating in the UK.</p>
907  </div>
908</div>
909
910    
911                </div>  
912            </div>
913            <div class="modal-footer">
914                <p class="text-center text-muted small"><em>If you'd like to discuss this in more detail with us, please <a href="../../contact-us.asp">contact us</a> for assistance.</em></p>
915                <button type="button" class="btn-primary" onclick='' data-dismiss="modal">Close</button>
916            </div>
917        </div>
918    </div>
919</div><div class="modal fade" id="MarketValueHelp" tabindex="-1" role="dialog" aria-labelledby="MarketValueHelpLabel" aria-hidden="true">
920    <div class="modal-dialog modal-lg">
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922            <div class="modal-header alert-info">
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924                <h4 class="modal-title" id="MarketValueHelpLabel"><i class="fa fa-question-circle"></i> NO Market Value Clauses</h4>
925          </div>
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927                <div class="wrapper">
928                
929<div class="media">
930  <div class="media-left"><img src="../../images/featureicons/colour/MarketValue.png" alt="NO Market Value Clauses" title="NO Market Value Clauses" width="87" class="media-object" /></div>
931  <div class="media-body">
932    <h4 class="media-heading">NO Market Value Clauses In Our Policies</h4>
933    <p>Buy a Contract Hire, Invoice or Replacement GAP insurance policy incorporating one or more Market Value clause and you're highly likely to receive a reduced payout at the time of claim. The sole purpose of a Market Value clause is to ensure that the GAP insurance policy payout is reduced.<
933/p>
934    <p>The most common Market Value clause amongst inferior GAP insurance policies is in relation to the motor insurance pay-out at the time of claim. In simple terms, if the motor insurer's payout is less than what the GAP insurer's preferred valuation &quot;guide&quot; says that your car is worth, the GAP insurer will not cover what they will perceive to be an underpayment by your motor insurer.</p>
935    <p>To add insult to injury though, if you bought a used car, a Market Value clause within an Invoice or Replacement GAP insurance policy may well be called upon to allow the GAP insurer to revalue your vehicle at the time you first bought it. If they find that their guide said your vehicle was worth less than the price you actually paid for the vehicle, the GAP insurer will not cover what they will perceive to have been an overpayment on your part.</p>
936    <p>One Market Value clause is bad enough. To suffer the application of both could very well result in a substantially lower GAP insurance payout than what you would have received from a policy that had no Mar
936ket Value clause at all - A policy like the Contract Hire, Invoice and Replacement GAP insurance policies that have available.</p>
937    <p>We dropped Market Value clauses from our Contract Hire, Invoice and Replacement GAP insurance policies back in early 2013. Sadly there are other providers that haven't followed suit.</p>
938    <p>The long and short of it is, a Contract Hire, Invoice or Replacement GAP insurance policy which incorporates a Market Value clause should be avoided - at all costs.</p>
939    <h4>Top-Up GAP insurance:</h4>
940    <p>Top-Up GAP insurance policies<strong> DO</strong> incorporate a form of Market Value clause - to the best of our knowledge a Top-Up GAP insurance policy with no Market Value clause does not yet exist in the market. A Market Value clause exists with such a policy in order to prevent somebody 'profiting' from their vehicle being written off.</p>
941    <p>To clarify, in the event that your vehicle is written off (through accident, fire or theft etc) Top-Up GAP insurance will aim to top-up your motor insurance pay-out by a further 25% (limited to a maximum payout of &pound;10,000). If however your motor insurance pay-out is more than the &quot;Market Value&quot; of your vehicle at the time of claim (defined as the &quot;Retail Transacted&quot; value published by Glass's Guide), the Top-Up GAP insurance policy will aim to pay out 25% of the Market Value of your vehicle (rather than 25% of the higher amount paid out by the motor insurer).</p>
942    <p>If you have any questions about any of the above. Please don't hesitate to <a href="https://gapinsurance.co.uk/contact-us.asp" title="Contact Us">contact us</a>.</p>
943  </div>
944</div>
945    
946    
947                </div>  
948            </div>
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950                <p class="text-center text-muted small"><em>If you'd like to discuss this in more detail with us, please <a href="../../contact-us.asp">contact us</a> for assistance.</em></p>
951                <button type="button" class="btn-primary" onclick='' data-dismiss="modal">Close</button>
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955</div><div class="modal fade" id="CashPayoutsHelp" tabindex="-1" role="dialog" aria-labelledby="CashPayoutsHelpLabel" aria-hidden="true">
956    <div class="modal-dialog modal-lg">
957        <div class="modal-content">
958            <div class="modal-header alert-info">
959                <button type="button" class="close" data-dismiss="modal" aria-label="Close"><span aria-hidden="true">&times;</span></button>
960                <h4 class="modal-title" id="CashPayoutsHelpLabel"><i class="fa fa-question-circle"></i> Cash Payouts</h4>
961          </div>
962            <div class="modal-body justify">
963                <div class="wrapper">
964                
965<div class="media">
966  <div class="media-left"><img src="../../images/featureicons/colour/Cash.png" alt="Cash Payouts" title="Cash Payouts" width="87" class="media-object" /></div>
967  <div class="media-body">
968    <h4 class="media-heading">Our GAP insurance policies pay out in cash</h4>
969    <p>Our GAP insurance policies provide a cash settlement for a successful claim, rather than credit that must be spent with a nominated dealer.</p>
970    <p>If a finance company has an interest in your vehicle, the amount due to it is paid first where necessary. Any remaining GAP insurance payment goes directly to you. If you bought the vehicle outright, or had already cleared the finance before the claim, the whole GAP insurance payment goes to you.</p>
971    <p>The amount payable depends on your policy type, its claim limit and the circumstances of the claim. A cash settlement describes how the money is paid, not a promise that every claim will produce money left over after finance is settled.</p>
972    <p>Any remaining claim payment made to you is yours to use as you choose. You can put it towards another vehicle from a dealer of your choice, choose something completely different, or decide not to replace the vehicle at all.</p>
973    <p>When comparing policies, check whether another provider requires a replacement purchase, pays through dealer credit, or changes the settlement if you don't buy another vehicle.</p>
974  </div>
975</div>
976
977    
978                </div>  
979            </div>
980            <div class="modal-footer">
981                <p class="text-center text-muted small"><em>
981If you'd like to discuss this in more detail with us, please <a href="../../contact-us.asp">contact us</a> for assistance.</em></p>
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986</div><div class="modal fade" id="5StarHelp" tabindex="-1" role="dialog" aria-labelledby="5StarHelpLabel" aria-hidden="true">
987    <div class="modal-dialog modal-lg">
988        <div class="modal-content">
989            <div class="modal-header alert-info">
990                <button type="button" class="close" data-dismiss="modal" aria-label="Close"><span aria-hidden="true">&times;</span></button>
991                <h4 class="modal-title" id="5StarHelpLabel"><i class="fa fa-question-circle"></i> 5-Star Rated Policies</h4>
992            </div>
993            <div class="modal-body justify">
994                <div class="wrapper">
995                
996<div class="media">
997  <div class="media-left"><img src="../../images/featureicons/colour/5Star.png" alt="5 Star Rated Policies" title="5 Star Rated Policies" width="87" class="media-object" /></div>
998  <div class="media-body">
999    <h4 class="media-heading">Independently Rated 5-Star Policies</h4>
1000    <p>Our GAP insurance policies are consistently and independently rated 5-stars. Check us out on various customer review websites such as <a href="https://www.feefo.com/en-US/reviews/gapinsurance-co-uk" target="_blank">Feefo</a>, <a href="https://uk.trustpilot.com/review/gapinsurance.co.uk?languages=all" target="_blank">TrustPilot</a> and  there's reviews on social media via <a href="https://www.facebook.com/pg/GAPinsurance/reviews/" target="_blank">Facebook</a> too.</p>
1001    </div>
1002</div>
1003    
1004                </div>  
1005            </div>
1006            <div class="modal-footer">
1007                <p class="text-center text-muted small"><em>If you'd like to discuss this in more detail with us, please <a href="../../contact-us.asp">contact us</a> for assistance.</em></p>
1008                <button type="button" class="btn-primary" onclick='' data-dismiss="modal">Close</button>
1009            </div>
1010        </div>
1011    </div>
1012</div><div class="modal fade" id="MoneyBackHelp" tabindex="-1" role="dialog" aria-labelledby="MoneyBackHelpLabel" aria-hidden="true">
1013    <div class="modal-dialog modal-lg">
1014        <div class="modal-content">
1015            <div class="modal-header alert-info">
1016                <button type="button" class="close" data-dismiss="modal" aria-label="Close"><span aria-hidden="true">&times;</span></button>
1017                <h4 class="modal-title" id="MoneyBackHelpLabel"><i class="fa fa-question-circle"></i> 30-Day Money Back Guarantee / Cooling Off Period</h4>
1018            </div>
1019            <div class="modal-body justify">
1020                <div class="wrapper">
1021                
1022<div class="media">
1023  <div class="media-left"><img src="../../images/featureicons/colour/30Day.png" alt="30-Day Money Back Guarantee" title="30-Day Money Back Guarantee" width="87" class="media-object" /></div>
1024  <div class="media-body">
1025    <h4 class="media-heading">30-Day Cooling Off Period</h4>
1026    <p>If you buy a policy from us and for any reason whatsoever you change your mind, you can cancel the policy within the first 30-days and so long as you've not made a claim we'll give you a 100% refund.</p>
1027    <p>If you cancel your policy more than 30-days after purchasing it and then either change your mind or, sell your vehicle, you can cancel the policy and so long as you've not made a claim we'll give you a pro-rata rebate of unused premium. You can then use that rebate towards the cost of a new policy on a new vehicle and no cancellation fee will apply. Alternatively you can ask for the rebate to be refunded but, an administration fee will apply in the case of a refund: currently &pound;15 for Arch-underwritten cover, or &pound;35 for Helvetia-underwritten cover.</p>
1028    </div>
1029</div>
1030
1031    
1032                </div>  
1033            </div>
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1035                <p class="text-center text-muted small"><em>
1035If you'd like to discuss this in more detail with us, please <a href="../../contact-us.asp">contact us</a> for assistance.</em></p>
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1038        </div>
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1040</div><div class="modal fade" id="TRVHelp" tabindex="-1" role="dialog" aria-labelledby="TRVHelpLabel" aria-hidden="true">
1041                            <div class="modal-dialog modal-lg">
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1044                                        <button type="button" class="close" data-dismiss="modal" aria-label="Close"><span aria-hidden="true">&times;</span></button>
1045                                        <h4 class="modal-title" id="TRVHelpLabel"><i class="fa fa-question-circle"></i> Total Loss Courtesy Car cover (TLCc)</h4>
1046                                    </div>
1047                                    <div class="modal-body justify">
1048                                        <div class="wrapper">
1049                                            
1050                                            <div class="media">
1051    <div class="media-left"><img src="../../images/featureicons/colour/TLCc.png" alt="Total Loss Courtesy car" title="Total Loss Courtesy car" width="87" class="media-object" /></div>
1052  <div class="media-body"> 
1053  <h4 class="media-heading">Total Loss Courtesy Car</h4>      
1054    <p>If your vehicle is damaged in an accident, your motor insurance policy will normally provide you with a courtesy/hire car whilst the damage to your vehicle is being assessed. </p>
1055    <p>If they determine that your vehicle is repairable, you would normally have the use of that courtesy car for the duration of the repairs. </p>
1056    <p><em><strong>However</strong></em>... </p>
1057    <p>If they decide that the damage to your vehicle is <strong>beyond repair</strong> and subsequently declare it a <strong>Total Loss</strong> (they write it off), you would then not normally be entitled to their courtesy car any longer (unless you've paid them an additional premium for such entitlement) and, it would be withdrawn: leaving you <strong>without the use of a vehicle</strong>.  </p>
1058    <p>Depending on how much longer they take to settle your claim, you might be without a vehicle for a number of days - <em>or even weeks</em>!</p>
1059      <p>
1059Building in <Span class="text-info"><strong>Total Loss Courtesy Car cover</strong> (<strong>TLC</strong>c)</span> to an eligible Arch-underwritten GAP insurance policy with us, means that in the event your car is declared a Total Loss, <strong>we will provide you with a courtesy car for you to use for up to 28-days</strong>.</p>
1060    <h4>TLCc Cover Features:</h4>
1061    <p>The car provided:</p>
1062    <ul>
1063        <li>Will be of a similar sized engine to Your vehicle that was deemed a Total Loss (limited to a maximum of a 2.0 litre manual car or equivalent)</li>
1064        <li>Will be insured. Please note that an excess (normally &pound;250) will apply to accidents/claims occuring during your use of the courtesy car. Exact terms will confirmed prior to you accepting delivery of it.</li>
1065        <li>Will be able to be delivered to and collected from your home or place of work.</li>
1066    </ul>
1067      <p>For more information please review the Ts &amp; Cs of our GAP insurance policies <a href="../policy-terms-and-conditions.asp">here</a>, or <a href="../gap-insurance-quote.asp">generate a quote</a>.</p>
1068    <p class="alert alert-warning"><strong>Important:</strong> Total Loss Courtesy Car cover (TLCc) is only available on eligible Arch-underwritten GAP insurance policies.</p>      
1069  </div>
1070</div>
1071
1072                                            
1073                                        </div>  
1074                                    </div>
1075                                    <div class="modal-footer">
1076                                        <p class="text-center text-muted small"><em>If you'd like to discuss this in more detail with us, please <a href="../../contact-us.asp">contact us</a> for assistance.</em></p>
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1080                            </div>
1081                        </div><div class="modal fade" id="N4OPromise" tabindex="-1" role="dialog" aria-labelledby="N4OPromiseLabel" aria-hidden="true">
1082                            <div class="modal-dialog modal-lg">
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1084                                    <div class="modal-header alert-info">
1085                                        <button type="button" class="close" data-dismiss="modal" aria-label="Close"><span aria-hidden="true">&times;</span></button>
1086                                        <h4 class="modal-title" id="N4OPromiseLabel"><i class="fa fa-question-circle"></i> New For Old Promise</h4>
1087                                    </div>
1088                                    <div class="modal-body justify">
1089                                        <div class="wrapper">
1090                                            
1091                                            <div class="media">
1092  <div class="media-left"><img src="../../images/featureicons/colour/NewForOld.png" alt="New-for-old Promise" title="New-for-old Promise" width="87" class="media-object" /></div>
1093  <div class="media-body">
1094  <h4 class="media-heading">New-for-old cover with your motor insurance?</h4>      
1095    <p>Despite wide-spread assurances to the contrary, which are negligently propogated by apparent consumer &quot;experts&quot;: relying on new-for-old cover from your motor insurer and <span class="text-danger"><strong>NOT</strong></span> having GAP insurance covering your brand new vehicle during your first year of ownership is a risky business and, something we caution against:</p>
1096    <ul class="fa-ul text-danger">
1097      <li><i class="fa-li fa fa-exclamation-circle fa-lg" aria-hidden="true"></i>If you've financed your vehicle (particularly by way of a PCP agreement),  there's a good chance you've entirely voided the new-for-old benefit under your motor insurance policy.</li>
1098      <li><i class="fa-li fa fa-exclamation-circle fa-lg" aria-hidden="true"></i>If you've leased your vehicle (e.g. personal contract hire), your vehicle wouldn't usually qualify for new-for-old cover from your motor insurer courtesy of the fact that your name doesn't appear on the V5 Registration document.</li>
1099        <li><i class="fa-li fa fa-exclamation-circle fa-lg" aria-hidden="true"></i>Your motor insurer may refuse to replace the vehicle new-for-old within the first year (in some cases for the most tedious of reasons) and revert to a Market Value settlement instead.</li>
1100      <li><i class="fa-li fa fa-exclamation-circle fa-lg" aria-hidden="true"></i>You can only buy <strong><a href="../../invoice-gap-insurance.asp">Invoice</a></strong> or <strong><a href="../../replacement-gap-insurance.asp">Replacement GAP insurance</a></strong> from us soon after taking delivery of the vehicle. Arch-underwritten cover is available within <strong>90 days</strong>, while Helvetia-underwritten cover may be available up to <strong>180 days</strong>, subject to the vehicle, value and cover selected. Chances are you won't be eligible if you try to buy this cover after a year of owning the vehicle.</li>
1101    </ul>
1102    <p>Ultimately, going without GAP insurance in the first year could well involve you forfeiting having GAP insurance cover in later years and, given the potential benefit of GAP insurance usually increases with the passing of time, those later years could be when you <em>need</em> GAP insurance most! Why take the risk?</p>
1103      <p>Which is why we have our: &quot;
1103<span class="text-success"><strong>New-for-old Promise</strong></span>&quot;:</p>
1104    <p class="alert alert-success">If your motor insurer replaces your vehicle on a new-for-old basis during the term of your GAP insurance policy, we'll re-issue a whole new GAP insurance policy for your new vehicle, matching the full original duration of cover that you purchased, at <span class="text-success"><strong>no additional cost</strong></span> to you. E.g. if you buy 3-year cover and your motor insurer replaces the vehicle new-for-old when it's 11-months old, we'll re-issue a whole new 3-year GAP insurance policy for your new vehicle.</p>
1105    <p><em>Note: This &quot;New-for-old Promise&quot; applies to all GAP insurance policies purchased on or since April 25th 2023.</em></p>
1106    <p>For more information please review the Ts &amp; Cs of our GAP insurance policies <a href="../../policy-terms-and-conditions.asp">here</a>, or <a href="../gap-insurance-quote.asp">generate a quote</a>.</p>
1107  </div>
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1197                <h4 class="heading-footer">Our Products</h4>
1198                <ul>
1199                    <li><a href="/contract-hire-gap-insurance.asp" title="Contract Hire GAP insurance">Contract Hire GAP insurance</a></li>
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1201                  <li><a href="/replacement-gap-insurance.asp" title="Replacement GAP insurance">Replacement GAP insurance</a></li>
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1205              </ul>
1206                <h4 class="heading-footer">Other Products</h4>
1207                <p class="small">Available via our sister-brand <a href="https://drivewise.co.uk/learner/" title="DriveWISE.co.uk" target="_blank">DriveWISE.co.uk</a></p>
1208                <ul>
1209                    <li><a href="https://drivewise.co.uk/learner/" title="Learner Driver Insurance" target="_blank">Learner Driver Insurance</a></li>
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1214			<div class="col-md-12 text-center">
1215			<h4 class="heading-footer text-center" style="padding-top:10px;">GAP insurance Statistics By Make Of Vehicle</h4>
1216			<a href="/alfaromeo/">Alfa Romeo</a> | <a href="/audi/">Audi</a> | <a href="/bmw/">BMW</a> | <a href="/chevrolet/">Chevrolet</a> | <a href="/citroen/">Citroen</a> | <a href="/fiat/">FIAT</a> | <a href="/ford/">Ford</a> | <a href="/honda/">Honda</a> | <a href="/hyundai/">Hyundai</a> | <a href="/jaguar/">Jaguar</a> | <a href="/kia/">KIA</a> | <a href="/landrover/">Land Rover</a> | <a href="/lexus/">Lexus</a> | <a href="/maserati/">Maserati</a> | <a href="/mazda/">Mazda</a> | <a href="/mercedes/">Mercedes-Benz</a> | <a href="/mini/">Mini</a> | <a href="/nissan/">Nissan</a> | <a href="/peugeot/">Peugeot</a> | <a href="/porsche/">Porsche</a> | <a href="/renault/">Renault</a> | <a href="/saab/">SAAB</a> | <a href="/seat/">SEAT</a> | <a href="/skoda/">Skoda</a> | <a href="/smart/">Smart-Car</a> | <a href="/suzuki/">Suzuki</a> | <a href="/tesla/">Tesla</a> | <a href="/toyota/">Toyota</a> | <a href="/vauxhall/">Vauxhall</a> | <a href="/volkswagen/">Volkswagen</a> | <a href="/volvo/">Volvo</a>
1217			</div>
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1222            <p>GAPinsurance.co.uk is a trading style of Pickles &amp; Burns Ltd, an Appointed Representative of Frank Pickles (Insurance Brokers) Ltd which is Authorised and Regulated by the Financial Conduct Authority (FCA No. 305297). You can check this on the <a href="https://register.fca.org.uk/" title="Financial Conduct Authority Website" target="_blank">FCA Register</a></p>
1223<p>The Registered Office and contact address for Pickles &amp; Burns Ltd trading as GAPinsurance.co.uk is: <strong>First Floor, Swan Buildings, 20 Swan Street, Manchester, M4 5JW</strong>.</p>
1224				<p>The Registered Office for Frank Pickles (Insurance Brokers) Ltd is: <strong>22 Victoria Avenue, Harrogate HG1 5PR</strong>.</p>
1225              <p><strong>&copy; GAPinsurance.co.uk 2026</strong></p>
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