GAP Insurance from AvailableCar

GAP insurance protects you when you make an insurance claim and receive a pay-out that's less than the cost or value of the car when you bought it. It will pay you the difference so you don't lose money.

Do I need GAP Insurance? (Guaranteed Asset Protection)

GAP Insurance from AvailableCar is an additional insurance product that protects you against a financial shortfall should your vehicle be declared a total loss by your motor insurance provider. This could be due to an accident, malicious damage, fire, theft or flood damage.  Depending on how long you require GAP Insurance for, we can offer you Total GAP Insurance, which is up to a 5-year agreement or Return to Invoice GAP Insurance for up to 3 years.


GAP Insurance

What is Total GAP Insurance? (Guaranteed Asset Protection)?

Total GAP (Guaranteed Asset Protection) is an additional insurance policy provided by AvailableCar. This is a 5-year agreement and is made up of two different types of GAP Insurance - Return to Invoice GAP Insurance and Financial Shortfall GAP Insurance.

Total GAP Insurance covers you for the full 5 years should your vehicle be declared a total loss by your motor insurance provider.

So, what is Return to Invoice GAP Insurance?

Return-to-invoice Gap insurance applies to the first 3 years of your agreement and it tops up the payout you receive from your car insurer to the amount you paid for the vehicle. If you purchased your vehicle under a finance agreement and the outstanding finance balance at the point of total loss is greater than the original purchase price, this insurance will pay the difference between the vehicle value at the point of total loss and the outstanding finance balance.

And what is Financial Shortfall GAP Insurance?

Financial Shortfall Gap Insurance applies to years 4 and 5 of your agreement and will pay the difference between the settlement you receive from your insurance company and your outstanding finance settlement in the event of a total loss claim in the final 2 years of your agreement.

Why do I need it?

GAP insurance (Guaranteed Asset Protection) covers the difference between the current value of the car (the amount your car insurer will usually pay out) and the amount you paid for the car in the first place, or any outstanding payments. Even if your car insurance is fully comprehensive, you can still lose money if your car is written off (total loss).

If you have GAP (Guaranteed Asset Protection) insurance, you won't be left making payments on a car you no longer have or are not able to drive!

If you are purchasing your car on finance from AvailableCar, you can usually spread the cost of GAP insurance with your monthly finance payments, making it an affordable way to insure your car against being out of pocket in the event of a total loss claim.


gap insurance

gap insurance

Why choose AvailableCar?

We are experts in used cars! With over 5,000 quality used cars online and across our four stores, we offer our customers a no-hassle, relaxing car buying experience.

We can also offer our customers advice on a range of extra products such as GAP Insurance, Used Car Warranties, Reversing Sensors, Diamondbrite Paint Protection, Bluetooth Handsfree kits and Luxury Car Matts including Boot Liner and Alloy Wheel and Tyre Insurance.

You can find out more about the extra products we offer online at or in-store.


Yes, we offer additional products that can be purchased at the same time as your vehicle. These include Used Car Warranties, Alloy Wheel and Tyre Insurance, Bluetooth Handsfree Kits, GAP Insurance, Used Car Paint Protection, Dash Cams, Reverse Parking Sensors and Luxury Car Mats with our Executive Protection Pack.

We offer a 3 month/3,000-mile guarantee with all our cars, however, should you wish to extend your warranty we do have several options available. An extended warranty will offer you peace of mind against major repair bills should your car suffer a mechanical or electrical breakdown.