GAP Insurance

Having your vehicle stolen or written off can be worrying during the claims process with your insurer. While Insurers seek to pay out the current market value of the vehicle and not the price you paid for it, GAP Insurance is designed to help you cover the shortfall.

GAP Insurance (Known as Guaranteed Asset Protection) is designed to work alongside your comprehensive motor insurance policy and is put in place to protect your financial investment. If the worst happened and the vehicle was written off or stolen, a GAP policy would cover the difference in value between the original purchase price, and the depreciated value at the time of the incident that the insurer will actually pay out.

When you are purchasing your new vehicle, please remember to contact us for a quotation as you may find that our premiums are more competitive than what the dealer or garage will offer you! Unlike motor dealers whose GAP products are subject to 20% VAT, our GAP Insurance policies are just subject to 12% Insurance Premium Tax.

Call us now on 01323 410 433 for a free market review.

Cover is available for:

  • Combined Gap
  • Valuation Gap
  • Contract Hire Gap
  • Motorhome Gap
  • Taxi Gap
  • Fleet Gap

Features of our GAP Policy:

  • Vehicles with the option to buy
  • Vehicles with no option to buy
  • Vehicles paid in full
  • Leased Vehicles
  • Vehicles paid on finance
  • Privately bought vehicles
  • Vehicles valued up to £125,000
  • 2 to 5 year policy lengths
  • Vehicles up to 8 years old
  • Vehicles bought within the last 365 days
  • Vehicles bought over 365 days ago
  • The first £500 of your Comprehensive Insurance excess
  • Our GAP insurance policies provide a refund should you sell your vehicle within the policy term.

At John Whippy Insurance Brokers we understand the importance of providing a reliable and local service, with professional advice, so that our clients can build long-term trust with us when taking care of their insurance needs and requirements. We prefer to spend time listening to our clients, and then select or build appropriate insurance coverage at a premium that is acceptable to them. Ultimately, we want all of our clients to understand the cover they are purchasing, and have confidence that they are paying the right price for the right cover!

We do not disappear after point of sale, we are there to guide and advise our clients throughout the life of their policy – including with claims management.

There’s no shortage of choice when it comes to GAP Insurance, but this can often confuse matters further. We offer a competitive specialist GAP insurance cover based on your requirements. 

We can offer you a comprehensive GAP Insurance policy offering you adequate cover with very competitive premiums. 

We’d love to help you with your GAP Insurance, contact us or request a call back and get covered today!

Call us now on 01323 410 433 for a free market review.


Why John Whippy Insurance Brokers?

  • A Local & Personal service from a dedicated adviser who represents you, not the insurer
  • 100% Independent Insurance Broker offering impartial and independent advice
  • A reputable and established local Insurance Broker
  • A qualified and experienced team, with commitment to staff development
  • Professional insurance recommendations with sales on an ‘advised basis’
  • In-house claims management 

How we add value...

We work with you to identify, measure, manage, reduce and eliminate risks to your business. This in turn will help limit the chances of suffering a loss and will often result in premium discounts.

We often highlight risk exposures that you were not even aware of.

We act as your agent and working for you in the event of a claim. We are there to remove the common anxieties and burdens that are associated with making a claim. Limiting disruption to your business and daily life is important to us.

You’ll receive a personal service

Regardless of size, we believe every client should be treated with the respect and provided with the service they deserve. Buying insurance can be a daunting and time consuming task, that’s why we work closely with you to understand your needs and make the whole experience of reviewing your insurance a pleasant and seamless one. Every client matters to us!

We are independent and impartial

John Whippy Insurance Brokers are completely independent and are not tied to any one or limited panel of insurers. As one of our 5 pledges to you, we will transact business with your best interests in mind. In other words we will carry out an independent market analysis on your behalf and offer the best value for cover we can from our extensive range of insurers.

How we transact business

Upon completion of our full market review we will present the options to you so you can make an informed decision. Our sales are on an advised basis which means we will make recommendations to you based on your requirements, be it price, cover, insurer background or coverage flexibility etc. We don’t over or under sell, we just offer you what you need.

No Call Centres! Deal with the same individual and build trust!

No numbered options, pre-recorded messages, repeating conversations or scripted questions. Our staff are professional and will seek to establish your requirements through open, honest and genuine conversations. We believe it’s important to listen to what is important to you! We can communicate with you by telephone, e-mail or we are happy to arrange face to face discussions and visit you.

Don’t pay over the odds!

Challenge us to beat your renewal premium and work closely with one of our experienced, knowledgeable and qualified team members. Contact us or request a call back to get professional advice and obtain valuable insurance cover at competitive premiums!


As a Sussex Insurance Broker we predominantly serve, but are not limited to, the following areas:

Eastbourne, Polegate, Lewes, Brighton, Hove, Peacehaven, Seaford, Shoreham, Worthing, Hailsham, Uckfield, Heathfield, Herstmonceux, Pevensey, Bexhill, Battle, and Hastings.

Get In Touch!

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We can offer a free independent market review of your insurances!

Contact us for a Free Market Review...