{"id":176928,"date":"2019-03-12T12:56:08","date_gmt":"2019-03-12T12:56:08","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=176928"},"modified":"2026-02-18T03:33:37","modified_gmt":"2026-02-18T03:33:37","slug":"gap-insurance","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/car-insurance\/gap-insurance","title":{"rendered":"Gap insurance"},"content":{"rendered":"<p>Gap insurance policies are optional but if you do decide to take out gap insurance, you&#8217;ll also need to have comprehensive car insurance alongside it. Gap insurance essentially offers you extra protection if your car is ever written off or stolen and the amount you get from your insurance payout doesn&#8217;t match the car&#8217;s original price tag.<\/p><p>What you originally paid for your car and what your insurance provider may pay out for your car based on its value at the time of claim can be two very different amounts. Don&#8217;t be left out of pocket. Read our guide to discover how gap insurance works and see if any options are right for you.<\/p><h3>What is gap insurance?<\/h3><p>It&#8217;s a simple fact that as soon as you buy a car, its value starts to depreciate. There&#8217;s very little that can be done about this, but what happens if your car is stolen or written off? Chances are your insurance provider will pay you what it believes the value of the car to be at the time of claim, but this can be far less than what you paid for it, leaving you out of pocket when you come to buy a replacement.<\/p><p>Guaranteed asset protection, or gap insurance, works by paying out the difference in what the insurance provider pays you compared to what you originally paid, allowing you to buy a new car with the same amount of money as you originally spent on the car you are making the claim for.<\/p><h3>Do I need gap insurance?<\/h3><p>It&#8217;s up to you to decide whether to spend the extra money on gap insurance. However, it&#8217;s important to note that, contrary to popular belief, gap insurance is not just for financed cars. It can be bought for new or second-hand cars up to 10 years old.<\/p><p>There are several reasons why you might consider taking out gap insurance:<\/p><ul class=\"list-10\"><li><b>Your car is on finance.<\/b> If your car is written off following an accident, the pay-out may not be enough to clear your debt on the car. This can leave you paying for a car that you no longer have.<\/li><li><b>You want an equal value new car.<\/b> If your car is written off or stolen, gap insurance will cover the difference between what you originally paid for the car and the current market value. This means you can buy a new car with a similar value to the one you lost, without having to compromise for a cheaper model.<\/li><li><b>For peace of mind.<\/b> If you&#8217;d like to guarantee you get the same amount that you originally paid for your car in the event of a total loss, gap insurance can provide that.<\/li><\/ul><h3>What does gap insurance cover?<\/h3><p>As stated, gap insurance covers the difference between your insurance payout and what you originally paid for your car. So, if your car is stolen or written off, you don&#8217;t lose out by getting a lower insurance payout than the money you spent buying it.<\/p><p>Gap insurance might also protect you against any outstanding amount if your car is financed and the insurance provider&#8217;s payout falls short on what you owe on it.<\/p><p>Gap insurance is mainly associated with new cars, although newer second-hand cars might also benefit from this cover. It can typically last for around 4 or 5 years, or until a claim is made. Depending on the policy, there is also a maximum amount that you will be able to claim, which can be anywhere from \u00a325,000 up to around \u00a3100,000.<\/p><h3>What doesn&#8217;t gap insurance cover?<\/h3><p>Gap insurance will not cover you in some instances. It is therefore vital that you read your policy document carefully before taking out a policy. Some exclusions include:<\/p><ul class=\"list-12\"><li>If your car is written off as a result of racing or another form of competing<\/li><li>If your car is written off as a result of an accident caused by drink or drug-driving<\/li><li>If someone was driving your car without a valid licence at the time of the accident<\/li><li>Your car is over a certain age or is worth less than a certain amount (this will likely change by provider, so check the small print)<\/li><li>If you&#8217;ve modified your car after purchasing it, the amount spent on these modifications will not be covered<\/li><li>If you don&#8217;t have comprehensive car insurance on your car<\/li><\/ul><article class=\"luna-card luna-card--primary\">\n<div class=\"luna-card__block\">\n<h4 class=\"luna-card__title luna-card__title--small\">Example: Benefits of gap insurance<\/h4>\n<p>You've left your secondhand 2013 Nissan Micra parked in its usual spot on your street, but it was stolen overnight. You bought it for \u00a34,500 3 years ago, but as it's now 3 years older and has 10,000 more miles on the clock, the insurance company is only willing to pay you \u00a33,000 for it.<\/p><p>Gap insurance would top up your payout by the additional \u00a31,500, to bring your total up to the amount you originally paid for the car. This will allow you to buy a car of similar age and mileage to what your Micra was when you first purchased it.<br \/><\/p>\n<p><small><strong>* This is a fictional, but realistic, example.<\/strong><\/small><\/p>\n<\/div>\n<\/article>\n\n\n\n<h3>How much is gap insurance?<\/h3><p>The cost of gap insurance is dependent on the cost of the car, as well as the usual factors, like your age, driving experience, location and the make and model of the car.<\/p><p>However, buying a gap insurance policy directly from the car dealer could set you back upwards of \u00a3300 for the year. Buying the policy separately will be much cheaper \u2013 usually \u00a3100\u2013\u00a3300 per year.<\/p><h3>What are the different types of gap insurance?<\/h3><p>There are a few types of gap insurance, which include:<\/p><ul class=\"list-10\"><li><strong>Return to invoice.<\/strong> Also known as back to invoice, this would cover the difference between what your insurance provider pays you (based on the value of your car at the time you make the claim) and the exact price you paid for your car when you bought it.<\/li><li><strong>Vehicle replacement.<\/strong> This would cover the difference between what your insurance provider pays you and the cost of buying a new replacement car similar to the one you place the claim for. To take out this cover, you must have bought your car from new. There might also be restrictions relating to its age and how many miles it has on it.<\/li><li><strong>Return to value.<\/strong> Also known as agreed value gap insurance, this policy is very similar to the return to invoice option. The different is that, rather than provide the same sum that you originally paid for the vehicle, return to value cover pays out the difference between your car insurance settlement and its original market value when you first purchased it (regardless of what you paid).<\/li><li><strong>Finance cover.<\/strong> This usually comes as part of a package and is one of the more basic products available. This policy would cover any outstanding balance if you financed your car and still owe money on it even after your insurance provider&#8217;s payout.<\/li><li><strong>Lease cover.<\/strong> Also known as contract hire gap insurance, this policy is aimed at people who have leased their vehicle rather than buy it. The cover helps to get around the many predetermined repayment arrangements that come with lease agreements, and you can also choose to protect your deposit should you wish to do so.<\/li><\/ul><h3>How can I get the right gap insurance policy?<\/h3><p>Deciding which type of gap insurance might be suitable for you boils down to how you purchased your car in the first place, and whether you would want to buy a brand new car if yours was ever stolen or written off. Your car insurance might already cover the cost of a similar replacement car if yours was ever stolen or <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-write-off\">written off<\/a>, but if it doesn&#8217;t, that&#8217;s where gap insurance can come in handy.<\/p><p><strong>Return to invoice gap insurance<\/strong> might suit you if you&#8217;ve purchased a new or second-hand car in the last few months that is worth up to \u00a3120,000.<\/p><p><strong>Vehicle replacement gap insurance<\/strong> might suit you if you&#8217;ve purchased a brand new car within the last few months and it has low mileage.<\/p><p><strong>Return to value gap insurance<\/strong> might suit you if you purchased a new or second-hand car more than a few months ago that is worth no more than around \u00a350,000.<\/p><p><strong>Finance gap insurance<\/strong> might suit you if you&#8217;ve purchased a car with the help of a loan and still have money to pay on it.<\/p><p><strong>Lease gap insurance<\/strong> might suit you if you lease your car, rather than own it.<\/p><p>Consider your options and check the policy details carefully to ensure it offers you the right protection in the event of you needing to make a claim.<\/p><h3>Pros and cons of gap insurance<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Suitable for drivers that still owe money on a financed car<\/li>\n                                    <li>Suitable for drivers who would want a brand new car if their car was ever stolen or written off<\/li>\n                                    <li>Can help you get a similar value car if yours is stolen or written off<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Unsuitable for drivers of older second-hand cars<\/li>\n                                    <li>Only valid if you have <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/comprehensive-car-insurance\">comprehensive car insurance<\/a> cover<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>Bottom line<\/h3><p>If you buy a pricey car, especially from new, taking out gap insurance can be worth the extra expense.<\/p><p>For financed or leased cars, this can be even more crucial, as failing to take out this type of cover can leave you seriously out of pocket.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Is my car eligible for gap cover?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Older cars with high mileage may not qualify for gap insurance.<\/p><p>Additionally, taking out gap insurance may not be financially viable for these types of vehicles anyway, as the payout will likely be quite low.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Are there any exclusions with gap insurance?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Yes, as with all insurance policies, there will be exclusions that apply. It&#8217;s therefore vital that you read and understand the details of any insurance policy carefully beforehand. Some exclusions for gap insurance might include:<\/p><ul class=\"list-10\"><li>If your car is written off as a result of racing or another form of competing<\/li><li>If your car is written off as a result of an accident caused by drink or drug-driving<\/li><li>If someone was driving your car without a valid licence at the time of the accident<\/li><li>Your car is over a certain age or is worth less than a certain amount (this will likely change by provider, so check the small print)<\/li><li>If you&#8217;ve modified your car after purchasing it, the amount spent on these modifications will not be covered<\/li><li>If you don&#8217;t have comprehensive car insurance on your car<\/li><\/ul><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">How long does gap insurance last?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Gap insurance can typically last for around 4 or 5 years, or until a claim is made. Depending on the policy, there is also a maximum amount that you will be able to claim, which can be anywhere from \u00a325,000 up to around \u00a3100,000.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Is gap insurance worth buying?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\">If your car in on finance or leased, you should definitely consider taking out gap insurance. If you don&#8217;t, you might end up still having to make monthly payments towards a car you no longer have.<\/p><p>For cars bought outright, gap insurance can still be a good idea if you want to make sure you get the same amount of money for your car if it&#8217;s written off or stolen as you originally paid for it, regardless of how much its value&#8217;s decreased in the time you&#8217;ve owned it. This can help you get the same level of vehicle as a replacement, without having to settle for an older or cheaper model.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Can I get gap insurance anytime?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\">A return to value (or agreed value gap) policy can be taken out at any point of ownership. This type of cover pays out the difference between your insurance payout if your car gets stolen or written off, and its market value at the time you purchased it (regardless of how much you paid for it).<\/p><p>If your car is on finance, you can take out gap insurance to protect it at any point in the agreement.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">Do you need gap insurance if you have full coverage?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Gap insurance is only valid if you have a comprehensive car insurance policy. Regardless of your level of coverage, your insurer will only pay out the value of your car at the time of the claim. If you paid more for it when you bought it, or if it&#8217;s on finance, you can be left out of pocket.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000006\" data-toggle=\"collapse\" data-target=\"#accordion0000000006\">\n        <span class=\"luna-accordion__title\">How long does gap insurance take to process?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000006\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Much like any other insurance claim, this depends on the insurer and the circumstances. Straightforward claims where you can provide all the necessary documentation shouldn&#8217;t take more than a week or two to process.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000007\" data-toggle=\"collapse\" data-target=\"#accordion0000000007\">\n        <span class=\"luna-accordion__title\">How much does gap insurance pay on a written-off car?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000007\" data-accordion=\"details\">\n    <div class=\"accordionContent\">That depends on the type of gap insurance you have and the value of your car.<\/p><p>For example: you have a return to invoice policy and you originally paid \u00a36,000 for your car. It&#8217;s written-off 3 years after you bought it and your insurer values it at \u00a34,000 at the time of the claim, so that&#8217;s the amount you receive as a payout. Gap insurance will then pay out the \u00a32,000 difference.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000008\" data-toggle=\"collapse\" data-target=\"#accordion0000000008\">\n        <span class=\"luna-accordion__title\">How do you activate gap insurance?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000008\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Most dealers offer gap insurance when you buy the car from them. They can take care of all the details there and then, but taking out a policy directly with the dealer is usually significantly more expensive than getting it separately.<\/p><p>You can take out gap insurance in the same way you get any other insurance policy \u2013 shop around and compare policies online, then go through the application process with your chosen insurer.<\/div>\n  <\/div>\n<\/li><\/ul><hr \/><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms \"best\", \"top\", \"cheap\" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">subject to our terms of use<\/a>. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Just bought or financed a car that is depreciating fast? Learn everything you need to know about gap insurance so that you don\u2019t end up paying more than you need if your car is written off.<\/p>\n","protected":false},"author":845,"featured_media":176970,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2645],"tags":[],"asset_tag":[],"class_list":["post-176928","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Compare gap insurance quotes | Finder UK<\/title>\n<meta name=\"description\" content=\"Discover how gap insurance works, whether it&#039;s worth getting and how it can help you get a new car if yours is stolen or written-off.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/car-insurance\/gap-insurance\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Gap insurance\" \/>\n<meta property=\"og:description\" content=\"Discover how gap insurance works, whether it&#039;s worth getting and how it can help you get a new car if yours is stolen or written-off.\" \/>\n<meta property=\"og:url\" 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