Can Young Drivers Get GAP Insurance?

Yes, GAP Insurance is available for young drivers. They normally need to be at least 18 years old and hold a full UK driving licence. Provisional drivers are usually not eligible for cover. Some providers have higher age limits (at least 21 years of age).

Eligibility rules · Restrictions · What matters most · Related links

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Eligibility rules

The driver must be at least 18 years old.
The driver must hold a full UK driving licence.
The vehicle must meet policy requirements (e.g. under 8 years old and less than 80,000 miles).

Restrictions for young drivers

Provisional licence holders: Not usually eligible for GAP Insurance.
Named drivers: All drivers must be named as either the main insured or as a named driver on the main motor insurance. The GAP Insurance must be in the name of the vehicle's registered keeper and named on any finance for the vehicle.
High-risk vehicles: Some insurers may decline cover for young drivers insuring high-performance cars, or charge a higher, risk-based, premium.

What matters most

Eligibility is based more on the car’s age, mileage, and purchase type than the driver’s age.
The driver must be the policyholder for both GAP and motor insurance.
The most suitable GAP Cover type depends on how the car was bought.

Total Loss GAP can cover all drivers over the age of 18 who have a full driving license in the UK. Other eligibility criteria must also be met. The GAP policy must be registered with the owner of the vehicle (named on the V5-C), who has any finance in their name and is also named (either as the main insured or as a named driver) on the fully comprehensive motor insurance for the vehicle.