GAP insurance


In 2018 over 100,000 cars were stolen in England and Wales, a 50% increase over the last 5 years*

If your vehicle was written–off or stolen, do you know how much it would cost you? It could be thousands of pounds if your motor insurer only pays out the market value at time of loss. What happens if the motor insurance settlement value is not enough to replace your vehicle or even pay off your outstanding finance?

GAP insurance can help fill the shortfall between your motor insurance settlement and the amount you originally paid for your vehicle or the cost of a replacement vehicle or repay the outstanding finance on your vehicle depending on the level of cover purchased.

Speak to your local Vauxhall Retailer to find out more about Vauxhall Finance GAP Insurance. 


When choosing your Vauxhall Finance GAP insurance policy you can choose from two types, both giving you multiple benefits.

Option 1: Return to Invoice & Financial Shortfall Gap Insurance

May help pay the difference between your motor insurance settlement and the amount you paid for your vehicle.†

Option 2: Equivalent Vehicle Cover

May help pay the difference between the Motor Insurance Settlement and the Equivalent Vehicle price with no upper limit.


How does Contract Hire GAP insurance work?

Vauxhall Finance Contract Hire GAP is designed to be a simple level of extra protection should your vehicle be written off or stolen and declared a total loss by your motor insurer. Contract Hire GAP could pay the difference between your motor insurance settlement and the Contract Hire Early Termination Charge†.

Which vehicles are eligible?

  • For new vehicles only 
  • Cover for the duration of your contract†
  • For insured parties only 
  • You must have fully comprehensive motor insurance

Plus there are additional benefits:

  • Up to £2,000 toward the advance rentals on your next Contract Hire agreement 
  • We will pay the Excess Charges on your fully comprehensive insurance claim

* Association of British Insurers, 2019,
** (UK vehicle thefts jump 20% in biggest crime spike for a decade) Online article published 21 July 2017 
† Terms and conditions and limitations on the extent of cover apply. You must always contact the Administrator, BNP Paribas Cardif before accepting the motor insurance settlement from your motor insurer. No amount will be payable in respect of any credit provided under the finance agreement (if any) which exceeds the purchase price of the vehicle. Please refer to the GAP insurance policy document for full terms and conditions.  

This insurance is underwritten by Pinnacle Insurance Plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Register No.110866). Your policy is administered by BNP Paribas Cardif , a trading style of Cardif Pinnacle Insurance Management Services plc who are authorised and regulated by the Financial Conduct Authority. Register No.315503.