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Competitive Pricing

Competitive Pricing

Minimal Hassle

Minimal Hassle

Reliable Cover

Reliable Cover

GAP insurance made simple

GAP Insurance Made Simple

If your car is written off or stolen, your motor insurer will usually pay its current market value at the time of the claim. 

That amount could be less than what you originally paid for the vehicle, or less than the amount you still owe on a finance agreement. 

GoVivid GAP Insurance is designed to help cover the difference, so you're not left out of pocket. 

Simple to arrange, straightforward to claim. 

All the essentials, one simple policy:

  • Return to Invoice cover
  • Financial Shortfall cover
  • Total Loss Excess covered up to £500
  • Temporary replacement vehicle
  • Additional Excess cover
  • Cover for private cars and light commercial vehicles up to 3.5 tonnes
  • UK and European cover
  • Transferable to a family member

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What makes GoVivid GAP Insurance different

What Makes GoVivid GAP Insurance Different

Cars lose value the moment they leave the forecourt.

If yours is written off, your motor insurer will settle based on today's market value — which can be significantly less than what you paid.

GoVivid GAP Insurance bridges that gap, so you're not left out of pocket at the worst possible time.

And when you need more, we provide:

  • Return to Invoice — if your car is written off, we'll top up your motor insurer's settlement to the original amount you paid.
  • Financial Shortfall — if you have finance on your vehicle, we'll cover the gap between the motor insurer's payout and the outstanding settlement figure.
  • No age limit on the policy — available to individuals and businesses registered in the UK. Cover must be arranged within 100 days of purchase — so don't leave it too long.
  • Vehicles up to 10 years old — with a purchase price of £5,000 or more from a VAT-registered dealer. Transferable cover — if ownership passes to a family member, the policy can move with the vehicle.

From the day you drive away to the day you need us, GoVivid GAP Insurance keeps you covered.

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Choose the cover that works for you

Whether you've bought outright or on finance, we have the right level of GAP cover to protect your investment.

Return to Invoice

Return to Invoice

If your vehicle is declared a total loss, your motor insurer will pay the current market value - which is almost always less than what you originally paid. Return to Invoice GAP covers the shortfall between the two, so you get back what you spent.

  • Covers the difference between the motor insurer's payout and your original purchase.
  • Includes any dealer-fitted accessories shown on your purchase invoice (up to £1,500).
  • Covers Total Loss by accident, malicious damage, fire, theft or flood.
  • Up to 30 days temporary replacement vehicle included.
  • Total Loss Excess reimbursed up to £500.

May be ideal for: customers who purchased their vehicle outright or are not reliant on settling a finance agreement.


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Financial Shortfall

Financial Shortfall

If you have a finance agreement on your vehicle and it's written off, you could find the motor insurers payout falls short of what you still owe. Financial Shortfall GAP bridges that difference, so you're not left with a debt and no car.

  • Covers the difference between the motor insurer's payout and the outstanding finance settlement figure
  • Works alongside your existing motor insurance, not instead of it.
  • Covers Total Loss by accident, malicious damage, fire, theft or flood.
  • Up to 30 days temporary replacement vehicle included.
  • Total Loss Excess reimbursed up to £500

May be ideal for: customers with a finance, hire purchase or conditional sale agreement on their vehicle.

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Extra protection

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