Cosmetic Vehicle Insurance

Protect Your Car Against The Unforeseen With Our Cosmetic Vehicle Options

Here at Direct Gap, we’re incredibly proud of our reputation as the nation’s leading provider of gap insurance, but that’s not all we offer.

We understand that, for some people, their car is their prized possession, which is why it’s imperative to take the best possible care of your vehicle and ensure it remains in pristine condition for as long as possible.

However, we also appreciate that accidents and other incidents are an inevitability and your car can become damaged in a variety of ways. While our superb range of gap insurance products protect you from suffering a financial shortfall in the event of your vehicle being declared a total loss, sometimes the damage is less severe; although it can still significantly harm the aesthetics of your car, not to mention your bank balance.

That’s where our additional cover options come in. We’re fully committed to providing a complete service to our customers, which is why our offerings don’t stop at gap insurance.

A technician looking over a vehicles bodywork.

See what our customers are saying about us

We’re rated 4.9 out of 5 across Trustpilot, Feefo and Google, based on more than 14,000 reviews.

Karen Sheppard

Great customer service this evening. Friendly and knowledgeable. I would def recommend.

01 May 2026 Trustpilot

Lisa Walsh

I have just been involved in an accident where I used Direct Gap to claim. They have been fantastic throughout. The advisors are so friendly and go out of their way to help you.

25 Jan 2025 Feefo

Ben Spencer

Great service and value for money as usual. We have 3 cars with Direct Gap and wouldn't go anywhere else!

27 Jan 2025 Feefo

Mrs Ashley

Quick phone call, explained everything, a third of the price I was quoted from the dealer, fantastic.

03 Mar 2014 Direct Gap

Wendy Lakeman

Which, recommended. Informative website. Competitive price. New car cover for upto 6 months after purchase. Can be deferred for 1st year. Helpful over-the-phone info.

17 Dec 2013 Direct Gap

Jack Paterson

Saved us hundreds compared to the car dealership we purchased our 2nd hand car from. Highly recommend!

06 Jan 2026 Direct Gap

W Grant

This will be a brilliant purchase if I never have to use it as policy offered at the dealers was 4 times what I have just paid. It was very simple to complete the application download and print the documents. Thank you for this reasonably priced product.

15 Feb 2023 Direct Gap

Alan Stewart

Excellent website which is easy to use and a range of policies to suit your needs. The price of the policy I chose was very competitive and cheaper than most. I also liked the higher amount the policy would pay towards the motor insurer's excess, that persuaded me to choose Direct Gap.

20 Oct 2025 Direct Gap

Raqib Sindhu

Very good service by Direct Gap. Diane has always been very polite and professional for many years, and for my multiple vehicle requirements - would highly recommend.

30 Jun 2026 Trustpilot

Philip Ogilvie

Very efficient and helpful service with a complete explanation of what was available and the cost.
Competitive price and great customer service.

22 Jul 2026 Trustpilot

Mr Michael Woods

Called them asked some questions which were answered, competitive quote given and accepted, half the price the garage wanted for same product. Customer service top notch, agent was great. Highly recommend.

31 Jul 2026 Feefo

Mr Barry Evans

I have used Direct Gap over a number of years for various cars and have always had excellent service. The policy was set up on the day I collected my car. Setting it up was easy and quick and Diane was very helpful.

22 Dec 2025 Feefo

June Goldstone

They are very good and once contacted things are done almost immediately. Elizabeth is brilliant. My whole family use Direct Gap and lots of friends also use them. I would highly recommend them to anyone

10 May 2025 Feefo

Mr Antony Bond

Excellent, very professional and explained Everything I needed to know, would recommend anytime, used them for many years on different vehicles

28 May 2026 Feefo

Samuel McGhee

Service was straightforward from start to finish. Operator was polite and helpful. Explained everything what was required. I would definitely recommend to others you won't be disappointed. The price of policy was competitive to others.

15 Sep 2025 Feefo

Our Cosmetic Vehicle Insurance

Protect your car with our range of tyre, alloy, bodywork protection and other services.

Alloy Wheel Insurance

Helps pay for the repair of alloy wheels damaged by accidental or malicious damage. If the wheel cannot be repaired, it will contribute towards a replacement wheel.

Find out more

Tyre Insurance

Covers the repair or replacement of tyres that sustain accidental or malicious damage. It includes puncture repair cover and a recovery.

Find out more

Tyre & Alloy Insurance

Combined Alloy Wheel & Tyre Insurance covers the cost of repairing accidental or malicious damage which has occurred to your Alloy Wheels or Tyres.

Find out more

Scratch & Dent Insurance

This insurance contributes towards the cost of smart repairs for minor cosmetic damage to your vehicle's exterior, interior trim, and alloy wheels.

Find out more

Why Take Out Cosmetic Vehicle Insurance?

While minor damage such as to tyres, alloys or scratches to paintwork will not result in your vehicle being declared a total loss, there’s no doubt they can have a huge impact on your car’s performance, appearance and value, potentially leaving you with a significant and unwanted financial headache.

What's more, rectifying such issues can become extremely expensive, so taking out additional cover could prove a shrewd financial decision in helping you to avoid those costs. By weighing up the cost of your premium against the price of repair work, you’ll soon see that opting for additional cover could be the sensible option.