Can I Switch GAP Insurance Providers Mid-Term?

You cannot usually switch GAP Insurance providers mid-term in the same way you can with car or home insurance. GAP is a fixed-term policy, so once it has started, you are tied to that provider. If you want to change, you would normally need to cancel your existing policy and arrange a new one, subject to eligibility and refund rules.

However, most GAP Insurance policies are only available within a set time frame of buying (or leasing the vehicle), so you may not qualify for another GAP product if you cancel the original one mid-term.

Why switching GAP Insurance is dif ficult · Options if you want to change · Points to check first · Related links

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Why switching GAP Insurance is difficult

Car and home insurance policies can often be switched at renewal. GAP is a fixed-term contract, usually lasting 2–5 years.
Once the policy starts, cover is set and cannot be moved to another provider mid-term.
This is because GAP is designed to cover a single total loss event for the full period.
GAP Insurance is only available within a set time frame of buying the vehicle. Changing later means you may not be eligible.

Options if you want to change

Cancel and refund: You may cancel your existing GAP policy and get a refund (full within 30 days, pro-rata after that).
Take out new cover: If you are still within the eligibility window, you can buy a new GAP policy from another provider, or of another type.
Transfer option: If you are replacing your car, some providers allow you to transfer cover rather than cancel.

Points to check first

Check refund rules; an admin fee may apply if cancelling mid-term.
Ensure you are still eligible for a new policy (typically within 90-180 days of car purchase).
Avoid any gap in cover between cancelling your old policy and starting a new one.

Tip: If your dealer’s GAP coverage looks expensive, consider using the FCA’s 4-day deferral period before purchase to compare quotes online.