We offer three types of GAP insurance, each for a slightly different situation. All our GAP insurance products offer:
You must hold comprehensive car insurance to be eligible.
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.
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 your 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.
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.
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.
Our phone line opening times are:
Monday to Friday
08:00 - 20:00
Saturday
09:00 - 13:00
Sunday
Closed
ϮAs with all insurance policies, terms, limits and exclusions apply.
Get a QuoteThe questions and answers were concise and well explained. My documents arrived a couple of days after the phone call.
Quick and efficient. Local person, very easy to talk to.
A customer-oriented company. I have always been delighted with the products and services of Hughes.
Very good service, the advisor was very helpful and documents came promptly.
Friendly and informative service with good manners on phone.
Great customer service and warm friendly manner.
Very helpful team. From getting my insurance quote, to getting insured, couldn’t have been easier.
Excellent service, everything done promptly and efficiently. Efficient service, professionally executed.
Very helpful and informative, good price and extras included in policy such as breakdown cover.
Very friendly and helpful. Everything was explained well and made clear. Brilliant service, with great telephone manners.
Answered all my questions clearly. Well followed up after initial call.
100% customer service, very helpful. I’m a very happy customer.