Ford Gap Insurance

Buy 5* Rated Gap Insurance With A 30 Day Money Back Guarantee

Even with Ford’s world-famous reliability, things can still go wrong. If your Ford is declared a total loss (through fire, theft or accident, for example) you could be left facing an unexpected financial shortfall. Depreciation means your car insurer will usually offer you a final settlement that’s much lower than the amount you owe, leaving you to cover the difference.

With Ford Gap Insurance from Direct Gap, that’s one less thing to worry about; if your car is declared a total loss (or write-off) we’ll cover the difference, with an aim to pay within 10 days.

Get a quote for your Ford today and join the thousands of happy customers choosing 5* rated Gap Insurance, with a 30 day money back guarantee…

Why choose Direct Gap to protect your Ford?

A-rated UK Underwriters

Covers new and used vehicles

Unlimited claim limits on vehicles up to £50,000

Covers insurance excess up to £1,000

Cover for all named drivers on your policy

No mileage restrictions

Deferred start date option for new vehicle purchases

Free policy amendments for registrations and addresses

What is Ford Gap Insurance?

A Ford gap insurance policy from Direct Gap covers the difference between what you paid for your car and its value at the time of being written off or stolen, shielding you from depreciation in the event of a claim. It offers that all-important peace of mind, and we can save you up to 75% on the price of your policy, so why not get in touch today for a free Ford gap insurance quote?

For further information, check out our detailed guide to gap insurance.

Get a Ford Gap Insurance quote today.

Get a quote

How does Ford Gap Insurance work?

If you buy a Ford for £40,000, it will depreciate over the time that you own it. Let’s say that a few years later, your car is stolen or written off – but by this point, its value has dropped to £25,000.

Your motor insurer will pay out in line with that value, which means you’ve lost out by £15,000. With Ford gap insurance, you are covered for that difference between its purchase price and its value when it was declared a total loss.

Get a Ford Gap Insurance quote today.

Get a quote

Ford Gap Insurance Reviews

We’re rated 4.9 out of 5 across Trustpilot, Feefo and Google, based on more than 14,000 reviews.

Karen Sheppard

Great customer service this evening. Friendly and knowledgeable. I would def recommend.

01 May 2026 Trustpilot

Marc Davies

Excellent customer service with products to match!

10 Feb 2025 Feefo

Steve

I have used Direct Gap on several occasions and always with no issues. The site is easy to navigate, and when I have spoken to the team, they have always been polite and very helpful.

25 Jun 2026 Trustpilot

Mr Paul Spinner

Had to call Direct Gap and speak to someone as I am changing my car to a newer model. The call was answered promptly and I found it easy to make the change, plus price offered was once again very competitive and included a loyalty discount. I would highly recommend Direct Gap to anyone purchasing a new vehicle.

12 Jan 2026 Feefo

Mr Martyn Dollery

Excellent. Easy to use website. Everything explained thoroughly. Good value insurance cover. Helpful staff if you need to talk to someone. Couldn't be happier with the service and product.

11 Jul 2026 Feefo

Mrs Angela Hallworth

Brilliant service, the lady I spoke to talked me through all my options, she was very helpful. My receipt and documents arrived shortly afterwards. Would definitely recommend,

31 Mar 2026 Feefo

Karen Mann

Great customer service
Very quick and efficient
Would definitely refer to friends and family

20 Jul 2026 Trustpilot

Murinder Singh Kang

Fantastic service easy to work with and setup. Super friendly support staff. Recommend them to anyone and everyone.

06 Oct 2025 Feefo

Neil Porteus

Excellent value gap insurance. In the past my daughter has had to make a claim under a Direct Gap policy and it lived up to its expectations. Also very easy to purchase online.

23 Jul 2024 Direct Gap

Ruth Vanner

We have just had to claim on a policy. We have had excellent service from Direct Gap, hence why we have taken out this new policy. Everyone I have spoken to in claims has been outstanding.

28 May 2015 Direct Gap

Alexander Donald

Simple instructions. I had Direct Gap Insurance when I bought my last car 8 years ago. Now I have another car, so for peace of mind I decided to have gap insurance again. A friend didn't have any before his car was written off and lost heavily on the insurance.

11 Nov 2014 Direct Gap

Keith Shepherd

Easy to use website, I had a question so I rang the company. The question was answered speedily with no hassle. Hope I never need to find out how good the payout and service actually is.

17 Apr 2015 Direct Gap

Nigel Fenton

I had to make a claim with these guys before and was very happy with the service I received, and was paid out very swiftly. I am now taking out another policy for the replacement vehicle.

07 Mar 2020 Direct Gap

Liam

When my car was written off, I had my Gap payment within a week. Excellent.

17 Dec 2013 Direct Gap

Gemma Downey

My partner had a policy with you in 2006. When his car was involved in a major incident, you were prompt and professional and worked with him and the insurance company to get the payout resolved. My partner and I have taken out another policy.

12 Nov 2014 Direct Gap

Susan Watts

Very easy website to use, recommended via Which magazine (always a bonus) and very competitive price beat dealer by £90. And finally this covers me for 5 years not 3 (dealer policy and most other firms only go up to 4 years)

01 Feb 2021 Direct Gap

Alan Stewart

Excellent website which is easy to use and a range of policies to suit your needs. The price of the policy I chose was very competitive and cheaper than most. I also liked the higher amount the policy would pay towards the motor insurer's excess, that persuaded me to choose Direct Gap.

20 Oct 2025 Direct Gap

Wendy Lakeman

Which, recommended. Informative website. Competitive price. New car cover for upto 6 months after purchase. Can be deferred for 1st year. Helpful over-the-phone info.

17 Dec 2013 Direct Gap

Stella Smith

Fast easy policy quote and set up. Have used Direct Gap for my last 3 cars. Would highly recommend!

30 Jul 2021 Direct Gap

Additional cover for your Ford

It’s not only Ford Gap Insurance that we offer. We can also provide protection for specific elements of your pride and joy, such as the bodywork, tyres and wheels.

Ford Alloy Wheel Insurance

Helps pay for the repair of alloy wheels damaged by accidental or malicious damage. If the wheel cannot be repaired, it will contribute towards a replacement wheel.

Find out more

Ford Tyre Insurance

Covers the repair or replacement of tyres that sustain accidental or malicious damage. It includes puncture repair cover and a recovery.

Find out more

Ford Scratch & Dent Insurance

This insurance contributes towards the cost of smart repairs for minor cosmetic damage to your vehicle's exterior, interior trim, and alloy wheels.

Find out more

Ford Gap Insurance Calculator

Your vehicle price (£)

Length of ownership (years)

1 2 3 4 5

Vehicle value at risk without GAP insurance

Vehicle value covered by comprehensive insurance

Only £ would be covered by your comprehensive car insurance leaving a gap of £.

Ford: FAQs, Statistics & General Information

Ford Depreciation

Like most car brands on the market, Fords will lose value over time, typically depreciating between 15-35% in year one, to 50% within three years of ownership (usually, regardless of whether you buy new or used).

Try our free Car Depreciation Calculator for more information on model-specific depreciation and to estimate the value your Ford could lose.

Gap Insurance Payout Examples

BMW 320 D

Our BMW gap insurance policy paid out £4,558 to a customer who initially bought their BMW 320D for £20,000. Following a total loss, their motor insurer offered a settlement figure of just £15,442; we covered the difference.

Ford Kuga

Our Ford gap insurance policy paid out £14,565 to a customer who initially bought their Ford Kuga for £36,168. Following a total loss, their motor insurer offered a settlement figure of just £22,053; we covered the difference.

Dacia Sandero Stepaway

Our customer wrote their Dacia Sandero Stepaway off and received a final settlement from their insurer of £15,390. This was much lower than their original purchase price of £18,644, following a 17% depreciation.

We paid the difference of £3,565 thanks to their Gap Insurance policy.

Audi Q2

Our customer bought their Audi Q2 for £30,245, which depreciated at a rate of 13%. When it was written off, their motor insurer paid a final settlement of £26,297.

With an Audi Gap Insurance policy, we covered the difference of £3,823.

What Types Of Gap Insurance Are Suitable For Ford

There are three common types of GAP Insurance available for most cars, including Ford. Which is most suitable typically depends on your finance type, car ownership status and individual cover needs.

The main types of Ford Gap Insurance we provide are:

Lease & Contract Hire Gap Insurance: Lease & Contract Hire Gap Insurance pays the difference between your motor insurance settlement figure and the amount outstanding on your lease finance balance. This policy is suitable for lease or 'PCH' cars only.
Return To Invoice Gap Insurance: Return To Invoice, or 'RTI' as it's also known, pays the difference between your motor insurance settlement figure and the original invoice price of your vehicle.
Vehicle Replacement: Vehicle Replacement Insurance, or 'VRI' covers the difference between your motor insurance settlement and the cost of replacing your vehicle.