Lease Gap Insurance

Award-winning lease gap cover that protects your finances after an insurance write-off.

What is Lease GAP Insurance?

You can’t prevent your car depreciating, you can protect yourself from its financial impacts, if it is written off and your insurer’s payment fails to cover the outstanding balance on your lease.  

That’s why we’ve partnered with MotorEasy. Voted the UK’s best GAP insurer by Auto Express Magazine, MotorEasy Lease GAP cover will pay-off any shortfall between your main insurer’s pay out and the outstanding balance still owed on your lease agreement.

A MotorEasy GAP Insurance policy tops up your main insurer's payout, bridging the gap between your car's current value and its depreciated market value at the claim time.

Get a Quote Don't be left out of pocket with an insurance write off

Why buy GAP Insurance?

A write-off is stressful enough without worrying about outstanding payments on a vehicle you can no longer driver Depending on your purchase agreement, our GAP insurance could provide:

  • Funds to clear any outstanding balance on your lease agreement
  • Extra cash to upgrade your replacement vehicle

What does GAP Insurance Cover?

Recent GAP Insurance Payouts

Why we recommend MotorEasy GAP Insurance:

  • Voted the UK’s Best Buy GAP insurance by Auto Express 2023.

  • Exceptional value and comprehensive coverage.

  • Five-star Defaqto rated.

  • Claims settled within 24 hours of your insurer’s payout.

  • Includes £250 cover for your insurance excess.

Why might there be an outstanding balance?

  • From the moment you drive away, your car’s value starts to decrease, typically losing 60% within the first three years.
  • If your car is involved in a total loss claim, the payout from your main insurer will be based on its current market value, which may not cover what you owe.
  • That’s where GAP insurance steps in, providing the extra funds needed to clear any outstanding balance on your lease agreement and get you back on the road.

Get a Quote Don't be left out of pocket with an insurance write off


Lease GAP is Guaranteed Asset Protection specifically for a lease vehicle. Guaranteed Asset Protection (GAP) Insurance protects you against financial loss if your vehicle has been declared a total loss or write-off by your insurer. A GAP Insurance policy will top up an insurer’s pay-out, providing the extra funds to purchase a replacement vehicle or to settle any outstanding finance. 

Contract Hire GAP is just another name for Lease GAP Insurance.

Yes, GAP cover is particularly important on lease vehicles as not only do vehicles depreciate in value quickly, typically up to 60% in the first three years which is the usual length of a leasing contract but you can also be left with hefty charges if your vehicle is written off and you can’t complete your lease agreement.

Cars less than 8 years old and with less than 70,000 miles recorded since new are eligible for GAP Insurance.

Cars and light commercial vans weighing less than 3,500 kg and with a recorded insured value of less than £75,000 also qualify.

Cars and vans must be listed in Glass’s Guide, be to UK specification and not have been modified.

You can take out a Lease GAP Insurance policy on all leased vehicles up to 8 years old and with less than 80,00 miles.

The price of your Lease GAP policy varies depending on the make and model of your vehicle as well as your contract and lease particulars, however, policies start from as little as £4.12 a month (based on a 24 month plan). For the most competitive price, get a quote from MotorEasy today.

For your Lease GAP to pay out, you must have fully comprehensive car insurance and use your car within “normal” use. Your car must also be considered a write off by your insurance company.

As soon as you think your car is going to be considered a write-off, you should log onto your MotorEasy account and start the claims process using the details found in your policy document. This should be done before accepting any offers from your insurance company.

MotorEasy offers flexible payment options for Lease GAP Insurance with monthly and annual options available.