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Best Price Gap Insurance for your Kia


So, with Kia's coveted seven-year warranty and extensive range of cars, why should you take the time to consider a form of Gap Insurance?


Each car, whether a Kia Picanto, Kia Sportage or even the Kia Niro, EV6, or Soul, will be worth the same amount when you first bought it.


Depreciation! It is just a fact of life and one that we all readily accept. After all, you would want to spend much less on a 4-year-old Kia Sportage than you would on a brand new fourth-generation Sportage fresh out of the showroom. 


This level of depreciation is not usually a problem unless your car is written off. 


When this happens, the amount and rate of depreciation can become a massive problem!


This is because your motor insurance company is only ever legally obliged to offer you the value of your vehicle on the day it was written off. 


Ultimately, this could leave you having to dig deep into your savings to replace your Kia, adding extra financial commitments or, in an absolutely worst-case scenario, having to pay for a car you can no longer use.


Gap Insurance can help protect you against these costs. 


Depending upon the level of cover you chose, you can elect to protect 

  1. The difference between your insurance company's settlement for your Kia on the day it was written off and the amount you have left outstanding on your contract or lease hire agreement.
  2. The difference between your insurance company's settlement for your Kia on the day it was written off and the higher of the amount outstanding on finance or the original invoice price you paid.
  3. The difference between your insurance company's settlement for your Kia on the day it was written off and the higher of either the amount outstanding on finance, the original invoice price you paid, or the replacement cost of another Kia of the same make, model, age and specification as yours was on the very first day you drive it home. 

At present, our team at Total Loss Gap can offer cover for the Kia EV6, Kia Picanto, Stonic, Ceed, Porcced, and Xceed, as well as the Kia Soul, Sportage, Sorento and EV9.

Depending upon the age of your Kia, what you are using it for and how long you have owned it for we may also be able to offer

  1. Tyre and alloy wheel insurance for your Kia for up to 4 years
  2. Smart Care and Alloy Wheel insurance
  3. Scratch and Dent Insurance
  4. Excess Insurance

Just as you hand-picked your Kia's model specification and trim level, we want you to be able to cherry-pick the length and types of cover that you need. 

Why not click for a quick quote and see how inexpensive protecting your Kyungsung Precision Industry ( Kia ) with a Total Loss Gap Insurance can be?


Do you want to know more about Kia?


Kyungsung Precision Industry, or Kia as we now call it, was founded in 1944. Since then, Kia has gone from strength to strength, from the 1st plant opening in 1945, Yineongdeungpo, Seoul, to being named 87th in Interbrand's list of 100 Best Global Brands in 2012. From being awarded PHEV Manufacturer of the Year in the 2017 GreenFleet Awards. Fast forward to 2021, and Kia won Best Large SUV at Women's World Car of The Year and Kia e-Niro was awarded the 'Best EV Small SUV' at the Fleet World Great British Fleet Awards.


Globally, they now produce over 2 million cars per year. 


They have also sponsored the Surrey County Cricket Club since 2010, and the grounds are now known as the Kia Oval.


Kia's commitment to value and customer satisfaction has been strengthened with their outstanding 7-year warranty. 


It is true that Kia has taken the UK market by storm and now has a 6.2 % market share. In 2022, they broke their record and sold over 100,000 vehicles in one year. ( figures taken from media 19/09/2023) 


By 2027, Kia plans to introduce 14 EV models, with 9 heading towards the UK. There is also a long-awaited EV9 based on the EV9 concept car, aiming to offer Electric vehicles across a range of market segments.