Gap Insurance | Online Quote | Dynamo Cover

What is GAP Insurance, why do I need it and why is it so important?

GAP Insurance, also known as Guaranteed Asset Protection, is a product that helps pay off your car finance if your car is declared a write-off. If you owe more than what your car is worth at the time, you could be left out of pocket. Therefore, GAP Insurance does what it says on the tin and that is to help pay the gap between the car’s value and what you owe.

GAP Cover For New & Used Cars

Although GAP insurance is primarily designed for new cars due to the rate they depreciate, our policy will also provide GAP cover for used cars too. Therefore, if you have an expensive used car that's only a few years old, Dynamo can help cover the "gap".

gap invoice | dynamo cover

Do I Need GAP Insurance?

Although GAP insurance isn't a legal requirement, it provides peace of mind that you are covered to your car's true value if its written-off or stolen. Therefore, if you want the peace of mind GAP insurance provides, we would say that it's a worthwhile insurance product.

GAP paying out | dynamo cover

GAP Insurance Cover to the Rescue!

Whether you have an outstanding finance or return to invoice policy with Dynamo, we cover cars up to £80,000 in value and provide a range of additional benefits such as personal injury and even excess cover for further peace of mind.

GAP finance | dynamo cover

Battling Your Car’s Depreciation With GAP Cover

Depreciation of a new car is unavoidable in the majority of cases and without a GAP insurance policy in place (such as return to invoice), you'll be set to lose the money it has depreciated in the case of a total-loss.

GAP paying out | dynamo cover

Don’t Be Left Out Of Pocket!

No one wants to be in the position where their car has been written off or stolen. However, if you aren't covered with GAP insurance, it only gets worse because you may be left out of pocket when you receive your insurer's pay-out.

Dynamo cover helping hand

Better Safe Than Sorry

Imagine how stressful it would be if you didn’t have GAP Insurance? It’s always better to be safe than sorry and at Dynamo Cover, our GAP insurance policies are tailored to you and we won’t be beaten on price!

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Read Our Policy Wording – GAP

Please take the time to familiarise yourself with our Policy Wording Document. Here you will find information relating to your GAP insurance policy.

Our GAP policy wording

As well as paying any outstanding amount due to a lender or even paying you back the invoice price of the vehicle, our product also includes “Excess Protect”. This part of our GAP insurance policy makes a contribution towards the excess you have to pay to your motor insurer.

Whilst GAP insurance is not a legal requirement, it provides assurance that should your vehicle be involved in an accident or stolen, you are not left out of pocket or owing the finance company money for an asset you no longer have.

You can obtain GAP insurance for any vehicle no matter how you have paid. However; there are various different types of GAP insurance products so you will need to check which one is right for you. For example; ‘Outstanding Finance GAP’ would not be applicable if you bought the vehicle outright, as there is no finance in place.

GAP Insurance prices are based upon the value of the vehicle and the type of cover purchased. You can get a quote for GAP insurance directly with Dynamo Cover and you’ll receive a price within 30 seconds.

Not during the course of the policy, but the vehicle must be 8 years old or younger at the time of inception and have covered less than 80,000 miles.

What Our Users Say


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Internal Customer Service Charter 2020-2021

Had various quotes for gap insurance, and this came out cheaper and with the same cover as more expensive competitors


It was quick and easy to sort out our Gap Insurance, no hassle and a good price


Very good professional service I had a small inquiry and dealt with right away thanks

Allan Reynolds

Excellent registration and payment process and very good value for money.

Fateh Ait Si

No Fuss, No Salesmen. Instant Cover. Now that a great Service.

Nigel Green