GAP Insurance

Protecting your investment so you don’t miss out

Protects the value of your vehicle

Cover for travel abroad

2 policy types to choose from

Top Policy Features

We offer two types of GAP insurance, each for a slightly different situation^ⓘ. All our GAP insurance products will cover you for:

Protects your vehicle value

So you never suffer from a financial shortfall

Overseas Use

For a maximum of 60 consecutive days in the period of insurance

Excess cover up to £750

Covering your motor insurance policy excess

We offer two types of GAP insurance, each for a slightly different situation.

Return to Invoice Advanced Gap Insurance (RTIA)

This insurance is designed to cover you for the financial shortfall between the invoice price you paid for your vehicle (or the outstanding balance on your finance agreement) and the amount you receive from your Motor Insurance Settlement, if your vehicle is written off or stolen and not recovered^ⓘ.

The car must have been purchased within the last 30 days and the purchase invoice must be in the name of the policyholder.

See policy wording for details.

Contract Hire

This insurance is designed to cover you for the financial shortfall between the amount required to settle an outstanding contract hire agreement, up to a maximum benefit of £15,000, and the amount you receive from your Motor Insurance Settlement if your vehicle is written off or stolen and not recovered*.

The lease, or contract hire, agreement must be under 60 months and this does not include PCP (Personal Contract Purchase) agreements.

The vehicle must have been purchased within 30 days and the policyholder must be the person named on the contract hire agreement.

See policy wording for details.

^ⓘTerms, limits and exclusions apply.

If you are interested in protecting your vehicle with a GAP policy, please check the eligibility criteria below.

Vehicle value between £5,000 and £75,000
Less than 80,000 miles
Under 10 years old
You must hold comprehensive insurance in addition to a GAP policy

Our Help Centre contains lots of useful and practical support when it comes to car insurance - including what to do in the event of an accident or a breakdown.

Call Us on 028 9104 2042. Our phone line opening times are:

Monday to Friday
09:00 - 18:00

Saturday
09:00 - 13:00

Sunday
Closed

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Why Choose Hughes Insurance?

Based in Northern Ireland

Local experts to support you

Over 45 years of experience

Straightforward, reliable & competitive insurance

028 9104 2042

Average score from surveyed repondents over last 12 months

What our customers are saying...

“Advisor took great time to look at my insurance renewal, talked through all options and got me the best deal to suit my circumstances. Really appreciated the callback with the updated info and the friendly nature of all calls.”

James Stewart

“Hughes have been fantastic, level of communication and emails straight away. Very happy customer – higher standard. Competitive rates. Couldn’t recommend Hughes highly enough!”

Car Insurance Customer

“The person I spoke to on the phone was very friendly and helpful. They answered the call quickly and I got a really competitive quote from Hughes straight away.”

Sarah, Car Insurance Customer

“I recently bought car insurance from Hughes and found the process very straightforward. The salesperson on the phone was able to answer the few questions I had and get to an outcome quite quickly.”

Ben, Car Insurance Customer