Can High-Mileage Cars Be Covered by GAP Insurance?

Yes, some high-mileage cars can be covered by GAP Insurance, but restrictions apply. Most providers set an upper limit of around 80,000 miles at the time the policy begins. Some providers can go higher. Cars above this limit are usually excluded because they depreciate faster and carry higher risks.

Mileage limits · Why limits exist · Alternatives · Related links

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Mileage limits

Most GAP Insurance providers set a typical limit of up to 80,000 miles at policy inception. Some can go as high as 100,000 or 120,000 miles.
Some products may cap eligibility at lower thresholds (e.g. 40,000 for Vehicle Replacement GAP).
Cars beyond the limit (at policy inception - you can do more over time) are excluded, regardless of condition or value.

Why limits exist

Depreciation: High-mileage cars tend to lose value faster, increasing risk for insurers.
Reliability: Older, higher-mileage cars are statistically more likely to face mechanical issues leading to write-off.
Resale values: Trade values can be inconsistent for very high-mileage vehicles.

Alternatives for higher mileage cars

Top Up GAP: Some providers may offer an annual Top Up GAP for older or higher-mileage vehicles.
Comprehensive insurance: Check if your motor policy includes enhanced replacement or agreed value options.
Savings buffer: For cars beyond GAP eligibility, setting aside funds may be the practical alternative.

At Total Loss GAP we have current options for Return to Invoice GAP for vehicles with an unlimited maximum mileage (as long as the vehicle is less than 10 years old at the policy of the policy purchase, and other eligibility criteria are met)