GAP & Excess Cover

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What is GAP insurance?

If you purchased the vehicle under a finance agreement and the balance payable to the financier at the time of the total loss is greater than the amount paid for the vehicle, this insurance will pay the difference between the ‘market value’ & the outstanding finance balance.

A ‘total loss’ occurs where you have claimed under your motor insurance policy, that claim has been settled and the insured vehicle becomes the property of the motor insurer following accidental damage, fire or theft.

Don’t be left with a financial shortfall if the worst were to happen. Protect your financial interest in your vehicle now.

How GAP insurance works

GAP (Guaranteed Asset Protection) insurance is a policy which pays you the difference between the amount paid for the insured vehicle (usually known as the ‘net invoice selling price’) and the amount your motor insurer will pay out if they have declared the vehicle a total loss (usually known as the ‘market value’).

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What is Excess Protect?

Commercial & Fleet Excess Insurance allows you to recover the insurance policy excess you are liable for, following a successful claim under your main motor insurance policy.

With policy excesses ever increasing, and young or inexperienced drivers being subjected to more hefty excesses, the right excess protection against can play a vital role in your business.

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Meet our Team

Welcome to Compare HGV Insurance. You won’t find grey suits or briefcases here. We’re real people, like you, and we share a genuine passion for protecting the haulage industry. Find out more about our amazing team here.


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If you know what cover you need, call us. If you haven’t got time for a call now, complete our Quick Quote form and we’ll ring you back when it’s a more convenient time.


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Client Reviews

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  • ‘Aaron Green provides us with brilliant service. Very professional and accurate. Always there to help. Aaron is very competent and knows His stuff. Top service.’

    Rahat | Feb 2020
  • ‘I personally dealt with Michael Scott. He has had the patience of a saint as our fleet insurance start date slipped, slipped and then slipped again over many months. However he kept professional and still provided an excellent quote, first time, without playing any games. Great service. Thank you.’

    Dave, The Event Gallery Fine Art Ltd | Feb 2020
  • ‘Very impressed with the service and price. I had a very unusual and difficult insurance need, but nothing was too much trouble. Highly recommend.’

    Jacob | Feb 2020