Vauxhall Gap Insurance
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With its first cars appearing in 1903, Vauxhall is Great Britain’s oldest car brand. Known as the manufacturer of the world’s first-ever sports car, Vauxhall has been a key player in motorsports. They went on to originate SUVs and have been building impressive compact cars since 1963. Are you the proud owner of a small but powerful Astra or on the lookout for a family-friendly Insignia? Make sure to protect your investment with the right insurance choices.
Vauxhall Gap Insurance is designed to give you peace of mind. If the worst happens and your Vauxhall is written off, this bridges the gap between your insurance settlement and the price originally paid for your vehicle. Many insurance providers will pay out based on current market value, which could cause some trouble if your car is being paid for via a finance option. Similarly, you will be liable to continue with payments if you are leasing your car, leaving you out of pocket and with no vehicle.
There is no need to worry. With our quick quote service, you can find your perfect policy whether you already own your car or you’re just looking to buy.
Why choose Direct Gap to protect your Vauxhall?
What is Vauxhall Gap Insurance?
Following a write-off, Vauxhall gap insurance covers any difference between your motor insurance settlement figure and the amount you paid for your vehicle, or any outstanding finance, depending on the policy you choose. Typically, the 'current market value' (the amount your insurer pays) is much lower than the vehicle's purchase or finance price, due to depreciation.
For further information, check out our detailed guide to gap insurance.
Get a Vauxhall Gap Insurance quote today.
How does Vauxhall Gap Insurance work?
If you buy a Vauxhall for £40,000, it will depreciate over the time that you own it. Let’s say that a few years later, your car is stolen or written off – but by this point, its value has dropped to £25,000.
Your motor insurer will pay out in line with that value, which means you’ve lost out by £15,000. With Vauxhall gap insurance, you are covered for that difference between its purchase price and its value when it was declared a total loss.
Get a Vauxhall Gap Insurance quote today.
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Additional cover for your Vauxhall
It’s not only Vauxhall Gap Insurance that we offer. We can also provide protection for specific elements of your pride and joy, such as the bodywork, tyres and wheels.
Vauxhall Gap Insurance Calculator
Only £ would be covered by your comprehensive car insurance leaving a gap of £.
Vauxhall: FAQs, Statistics & General Information
Vauxhall Depreciation
Like most car brands on the market, Vauxhalls will lose value over time, typically depreciating between 15-35% in year one, to 50% within three years of ownership (usually, regardless of whether you buy new or used).
Try our free Car Depreciation Calculator for more information on model-specific depreciation and to estimate the value your Vauxhall could lose.
Gap Insurance Payout Examples
BMW 320 D
Our BMW gap insurance policy paid out £4,558 to a customer who initially bought their BMW 320D for £20,000. Following a total loss, their motor insurer offered a settlement figure of just £15,442; we covered the difference.
Ford Kuga
Our Ford gap insurance policy paid out £14,565 to a customer who initially bought their Ford Kuga for £36,168. Following a total loss, their motor insurer offered a settlement figure of just £22,053; we covered the difference.
Dacia Sandero Stepaway
Our customer wrote their Dacia Sandero Stepaway off and received a final settlement from their insurer of £15,390. This was much lower than their original purchase price of £18,644, following a 17% depreciation.
We paid the difference of £3,565 thanks to their Gap Insurance policy.
Audi Q2
Our customer bought their Audi Q2 for £30,245, which depreciated at a rate of 13%. When it was written off, their motor insurer paid a final settlement of £26,297.
With an Audi Gap Insurance policy, we covered the difference of £3,823.
What Types Of Gap Insurance Are Suitable For Vauxhall
There are three common types of GAP Insurance available for most cars, including Vauxhall. Which is most suitable typically depends on your finance type, car ownership status and individual cover needs.
The main types of Vauxhall Gap Insurance we provide are:
- Lease & Contract Hire Gap Insurance: Lease & Contract Hire Gap Insurance pays the difference between your motor insurance settlement figure and the amount outstanding on your lease finance balance. This policy is suitable for lease or 'PCH' cars only.
- Return To Invoice Gap Insurance: Return To Invoice, or 'RTI' as it's also known, pays the difference between your motor insurance settlement figure and the original invoice price of your vehicle.
- Vehicle Replacement: Vehicle Replacement Insurance, or 'VRI' covers the difference between your motor insurance settlement and the cost of replacing your vehicle.