Business Details
22 Years
experience
Trusted GAP Insurance Solutions in Manchester
Established in 2004, we are the UK's original online specialist in GAP insurance, dedicated to providing comprehensive coverage solutions for vehicle owners. Our team operates under the FCA-regulated entity Pickles & Burns Ltd, ensuring compliance with the highest financial standards. With over two decades of experience, we have built a reputation for transparency, offering policies underwritten by Arch Insurance (UK) Ltd, an A-rated insurer with robust financial strength ratings from leading agencies. Our commitment to customer satisfaction is reflected in our 5-star Feefo ratings and a proven track record of settling claims swiftly, including a largest payout of 14,954.We pioneered innovations like the 'New-for-old Promise' and Total Loss Courtesy Car cover, ensuring policyholders receive cash payouts without restrictive market value clauses. Our operations are guided by a philosophy of shielding customers from insurer-driven price hikes while maintaining long-term sustainability through responsible risk management.
Services
Replacement GAP
Invoice GAP
Contract Hire GAP
Top-Up GAP
Excess Protection
Details
- Year established: 2004
Highlights and features
- 22 years of specialist experience in GAP insurance since 2004
- Policies underwritten by A-rated UK insurer Arch Insurance
- Cash payouts with no restrictions on vehicle replacement choices
- 5-star rated policies based on thousands of customer reviews
- No market value clauses that reduce claim payouts
Associations and certifications
- Arch Insurance (UK) Ltd (S&P: A+, AM Best: A+, Fitch: AA-, Moody's: A2)
What people say
Quick claim settlements
Significant savings
5-star rated policies
Cash payouts
No hidden fees
Services
Replacement GAP
Protects brand new vehicles within 90 days of registration by covering the difference between motor insurance valuation and the cost of a brand new equivalent. Combines finance, invoice, and replacement benefits into one policy. Includes up to 750 excess reimbursement and optional courtesy car.
Invoice GAP
Covers vehicles up to 10 years old by topping up motor insurance settlements to match original purchase price or outstanding finance. Available for both new and used cars. Provides financial protection against depreciation during ownership periods up to 4 years.
Contract Hire GAP
Designed for leased vehicles, covering shortfalls between motor insurance payouts and lease termination amounts. Reimburses up to 3,000 of initial rental payments. Available for personal and business leases with at least 12 months remaining on the contract.
Top-Up GAP
Annual renewable policy increasing total loss valuation by 25% (up to 10,000). Suitable for vehicles up to 80,000 in value and 10 years old. Includes 750 motor insurance excess cover with optional courtesy car provision.
Excess Protection
Covers both compulsory and voluntary motor insurance excess payments up to selected limits (300-1500). Works alongside or separately from GAP policies. Underwritten by Fortegra Europe Insurance Company SE with 14-day cooling-off period.
Questions
What is GAP insurance?
GAP insurance covers the financial difference between motor insurance payouts and vehicle value depreciation after total loss or theft.
Do I need GAP insurance?
Recommended if you want protection against depreciation losses when your motor insurance payout is insufficient to replace your vehicle or clear finance.
What types of GAP insurance exist?
Main types: Replacement GAP (new vehicles), Invoice GAP (used vehicles), Contract Hire GAP (leased vehicles), and Top-Up GAP (short-term coverage).
How does Replacement GAP work?
Covers the difference between motor insurance valuation and the cost of a brand new equivalent vehicle, including finance settlements and original purchase prices.
What's included in Excess Protection?
Covers both compulsory and voluntary motor insurance excess payments up to selected limits (£300-£1500) with 14-day cooling-off period.
Can I get GAP insurance for leased vehicles?
Yes, Contract Hire GAP specifically covers lease agreements, protecting against early termination charges and initial rental payments.
