Are There Admin or Transfer Fees on GAP Insurance?

Yes, many GAP Insurance providers can apply admin fees for making changes, cancelling a policy, or transferring cover to a new car. The amount can vary, and some providers include certain changes for free. It’s important to check the terms before you buy so you’re not caught out later.

Types of admin fees · Transfer fees · How to avoid costs · Related links

Need to change or transfer a policy?

Check your GAP options

Types of admin fees

Amendment fees: Charged if you change details like address, mileage, or vehicle registration.
Cancellation fees: Some providers deduct an admin fee if you cancel mid-term.
Duplicate documents: Reissuing paperwork may also attract a small fee.

Transfer fees

If you change your car, many providers allow you to transfer cover, but some charge an admin fee for doing so.
Others may allow one free transfer, then charge for any additional changes.
Not all GAP policies are transferable, so check before assuming you can move cover.

How to avoid unexpected extra costs

Read the policy terms carefully before purchase to understand the charges.
Choose a provider that offers free or low-cost changes and transfers.
Only provide accurate information upfront to avoid amendment fees later.

At Total Loss GAP, we can charge £35 for a cancellation fee, £35 for a transfer fee (the first one on the policy is free of charge). We offer products from multiple insurers, and fees can vary. Please check with us if you wish to clarify. All fees are detailed on your policy documents also.

Tip: Fees vary widely; some brokers charge nothing, while others charge £35–£50. Always compare terms before buying GAP Insurance.