Why Is GAP Insurance Important?

For bespoke Universal GAP insurance, it has to be Higos.

At Higos we know there’s not another vehicle owner like you out there. Should the unexpected happen and your vehicle is written off or stolen, your insurance will only pay up to the current market value at the time of a claim. You could be at risk of losing money compared to what you initially paid and exposed to further termination charges or face other additional shortfalls. So whether you’re on a finance agreement, lease, contract hire, or own your vehicle outright, our bespoke Universal Gap insurance is exceptionally competitive against any dealerships prices. As well as any savings we expect to identify, our aim is to provide you with the full protection you need without leaving you underinsured.

How our Universal GAP insurance can benefit you:

  • Up to £75,000 maximum benefit cover.

  • Annually renewable.

  • No need to pay a lump sum upfront for 3 year policy and runs in line with current insurance.

  • Competitive prices against dealerships.

  • Change your vehicle without having to cancel your policy.

  • Cover for Purchase Price Protection (PPP), Combined Purchase Price Protection, Lease, covers Top Up.

  • Clears the termination charge and in addition covers the deposit on lease agreements up to 6 months.

  • Returns you back to the invoice price up to a Three Year period, clear finance/termination charges or ‘Top Up’.

  • New cars depreciates in value very quickly, GAP will recuperate the price you purchased your vehicle at.

  • Covered no matter how and when the vehicle is purchased.

  • Covers up to £250 excess in the event of a fault claim.

Our motor experts are car enthusiasts like you and we pride ourselves on getting to know you and your vehicle before finding cover that’s 100% tailored to you. Should you need to make a claim, we've built a friendly in-house team to provide you with a prompt, personal service giving you complete peace of mind when you need it most.

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