GAP Insurance

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  • Protects the value of your vehicle
  • From only £1.54 per week for 3 years*
  • Cover for travel abroad
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Protecting your investment so you don’t lose out

As with all insurance policies, terms, limits and exclusions apply. * A price of £1.54 per week is based on a premium of £240 over 3 years for 3 years cover for a claim limit of up to £10k. The car value for this bracket can be no more than £15k. Prices current as at May 2017. Vehicles must be covered by a Comprehensive Motor Policy, have less than 80,000 miles, be valued between £2,500 and £75,000 and be less than 8 years old. Please consult our policy wording for full details.
  • Features
  • Product Information
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We offer three types of GAP insurance, each for a slightly different situation. All our GAP insurance products offer:

  • Cover for overseas use for a maximum of 60 consecutive days in the period of insurance
  • Cover for your motor insurance policy excess up to £250
  • Cover for vehicles:
    • valued between £2,500 and £75,000
    • with less than 80,000 miles
    • under 8 years old.
  • You must hold comprehensive car insurance to be eligible.

    As with all insurance policies, terms, limits and exclusions apply.

    You can find full details about our GAP insurance in our policy wording. This includes information on the claims procedure, exclusions and how to cancel your policy.

    Return to Invoice Advanced Gap Insurance (RTIA)

    This insurance is designed to cover you for the financial shortfall between the invoice price you paid for your vehicle (or the outstanding balance on your finance agreement) and the amount you receive from you Motor Insurance Settlement, if your vehicle is written off or stolen*.

    The car must have been purchased within the last 30 days and the purchase invoice must be in the name of the policyholder.

    See policy wording for details.

    Agreed Value

    This insurance is designed to cover you for the financial shortfall between the value of your vehicle as agreed at the time of purchasing your policy and the amount you receive from your Motor Insurance Settlement if your vehicle is written off or stolen and not recovered*.

    Agreed Value GAP is available when your vehicle was bought more than 30 days ago, or bought from a private seller and you do not have a purchase invoice.

    The policyholder must be the legal owner of the vehicle.

    See policy wording for details.

    Contract Hire

    This insurance is designed to cover you for the financial shortfall between the amount required to settle an outstanding contract hire agreement, up to a maximum benefit of £10,000, and the amount you receive from your Motor Insurance Settlement if your vehicle is written off or stolen and not recovered*.

    The lease, or contract hire, agreement must be under 60 months and this does not include PCP (Personal Contract Purchase) agreements.

    The vehicle must have been purchased within 30 days and the policyholder must be the person named on the contract hire agreement.

    See policy wording for details.

    *As with all insurance policies, terms, limits and exclusions apply.

    Our Help Centre contains lots of useful and practical information relating to GAP insurance.

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    Why choose Hughes Insurance?

    • Based in Northern Ireland
    • Local call centre staff
    • Almost 40 years of experience
    • Straightforward, reliable & competitive insurance

    We’re one of Northern Ireland’s best-known names in insurance.

    The business was originally established in 1977, and since then we’ve earned a reputation as a reliable and trusted expert in insurance. We’re passionate about protecting the things that matter most to you – whether that’s your car, home, holiday or business.

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