Here you’ll find useful information on:
● How do I buy GAP insurance?
● How long do I have to buy GAP insurance?
● What is the moratorium period for GAP insurance?
● How do GAP insurance payments work?
● Can I transfer my GAP policy to another car?
● Do I need car insurance as well?
● When does my policy start and how long does it last?
● What happens when my GAP policy ends?
● What's the cancellation policy for GAP insurance?
● Will my data be shared with AutoTrust?
How do I buy GAP insurance?
A few days after you get your car, cinch will email you information about GAP insurance and invite you to request a quote. If you haven’t received this email yet, you can:
📩 Fill out an enquiry form and we'll be in touch
How long do I have to buy GAP insurance?
You have 100 days from receiving your car to buy GAP insurance.
What is the moratorium period for GAP insurance?
There must be a short waiting period between receiving your GAP insurance information and being able to buy the policy. This is to ensure you have enough time to review the details before going ahead.
Here’s how it works:
✔️ Day 1: You receive your quote and policy information
✔️ Days 2-3: You review the information (you can’t buy yet)
✔️ Day 4: You’re able to buy your GAP policy
How do GAP insurance payments work?
GAP insurance is paid by Direct Debit in 10 interest‑free monthly instalments.
Payments start within 30 days of taking out the policy.
One‑off payments aren’t available at the moment.
Can I transfer my GAP policy to another car?
No - GAP insurance can’t be transferred to a new vehicle.
If you buy another car from cinch, you may be eligible for a new policy depending on the terms and conditions.
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.
What happens when my GAP policy ends?
Your cover ends on the end date shown in your policy schedule.
cinch doesn’t currently offer the option to renew GAP insurance.
What’s the cancellation policy on GAP insurance?
Within the 30‑day cooling‑off period
You’ll receive a full refund, as long as you haven’t made a successful claim.
After the cooling‑off period
You can still cancel anytime.
You’ll receive a pro‑rata refund for the remaining cover, minus an administration fee, in line with the terms and conditions.
How to cancel
To cancel your policy, contact AutoTrust directly:
📞 0344 573 8069
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.