What is GAP insurance?

What is GAP insurance?

GAP insurance (Guaranteed Asset Protection) helps protect you financially if your car is written off or stolen.
Your car insurance pays out the car’s market value at the time of the incident, which might be less than you originally paid because of depreciation.

GAP insurance covers the difference between:

✔️ What you originally paid for the car or
✔️ Your outstanding finance balance (whichever is higher)

This means you won’t be left out of pocket.

Does cinch offer GAP insurance?

✅ Yes! cinch offers GAP insurance through AutoTrust, a trading name of Car Care Plan, who are authorised and regulated by the FCA.

They manage your:

✔️ Cover
✔️ Payments
✔️ Claims
✔️ Policy documents

Do I need car insurance as well?

Yes - you must have comprehensive car insurance to buy GAP insurance.

GAP only works after your main insurer pays out for a total loss.

When does my policy start and how long does it last?

Your GAP policy starts the day you take it out, so you’re covered straight away.

Your cover lasts for 36 months.

Will my data be shared with AutoTrust?

Yes. If you buy a GAP policy, cinch will share your personal and vehicle details with AutoTrust so they can manage your cover.

You can read more in the cinch and AutoTrust’s privacy policies.