JCB Insurance

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Mind the GAP!
Avoid a potential shortfall...

On the road price: £
Anticipated length of ownership (years):

Owned outright or on finance, get a 5 Star GAP Insurance quote for your vehicle in seconds.

Covered by your Comprehensive Insurance (based on average depreciation rates and current market value)
Potential Shortfall Without GAP Insurance

GAP Explained: Everything you need to know about GAP Insurance...

On average a car will lose 50% of its original value in 3 years and will continue to depreciate over time.

If your car is written off or stolen your comprehensive motor insurer will only give you a settlement for the vehicle’s market value – its depreciated value, leaving you out-of-pocket.

GAP insurance protects you from the risk of financial loss by paying you the difference between your insurer’s settlement and the original cost of your car, all from as little as £50

Select the option below which most closely matches how you are buying your car to decide which policy is the best for you in the event of a total loss:


1. I paid for my vehicle outright using cash or a personal loan from a VAT registered dealer

Back to Invoice Plus - Pays the difference between your motor insurer's settlement and the original vehicle invoice price.

Vehicle Replacement Plus - Pays the difference between your motor insurer's settlement and the cost of replacing your vehicle new for old or with one of a similar age as the original.


2. My vehicle is on finance e.g Personal Contact Purchase or Hire Purchase

Back to Invoice Plus - Pays the difference between your motor insurer's settlement and the original vehicle invoice price or the outstanding finance balance, whichever is higher at the time of the incident.

Vehicle Replacement Plus - Pays the difference between your motor insurer's settlement and the cost of replacing your vehicle new for old or with one of a similar age as the original or the outstanding finance balance, whichever is higher at the time of the incident.


3. My vehicle is leased with no option to purchase at the end of the term e.g. Contract Hire, Operating Lease

Contract Hire Plus - Covers up 100% of the outstanding rentals on a lease or contract hire vehicle as well as any difference in residual value.


4. My car was purchased privately, not from a dealer

Agreed Value – Pays the difference between your motor insurer's settlement and the Glass's Guide Retail Value of your car at the time the policy is purchased.

Why choose JCB Insurance

Member of British Insurance Brokers' Association

British Insurance Brokers' Association Member

Independently Reviewed 5 Star GAP Insurance

5 Star Rated GAP Insurance

Authorised and Regulated A Rated Underwriters

A Rated Underwriters