Protect yourself from unexpected costs
When you lease or finance a car, its value drops fast. If it is written off or stolen, your insurer usually pays the market value only.
That can leave a big gap. GAP Insurance helps cover the difference.
Through our partnership with MotorEasy, Rivervale customers can easily add GAP Insurance shortly after placing their vehicle order. No pressure. No dealer mark-ups. Just clear protection and peace of mind.
What is GAP Insurance?
GAP stands for Guaranteed Asset Protection. It covers the difference between:
- Your motor insurer’s payout
- And the amount you originally paid, still owe, or need to replace the vehicle
GAP Insurance can protect you if your car is written off due to:
- Theft
- Accidental damage
- Fire
- Flood or water damage
It is especially useful in the early years when depreciation is highest.
Get a Quote
Our partner, MotorEasy offers several options so you can choose the cover that fits how you drive.
Who can get GAP Insurance?
Most cars qualify if they meet the following:
- Less than 8 years old
- Fewer than 80,000 miles
- Under 3,500kg
- Insured value below £125,000
- UK specification and listed in Glass’s Guide
- No major modifications
New or used, leased, financed, or bought outright within the last six months.
Types of GAP Insurance available
MotorEasy offers several options so you can choose the cover that fits how you drive.
Contract Hire and Lease GAP
For leased vehicles.
- Covers up to £15,000 of outstanding charges
- Includes:
- Up to £3,000 initial rental
- £500 insurance excess
- £1,500 accessories cover
Designed specifically for lease customers, which will the majority of Rivervale customers.
Return to Invoice (RTI)
For new or used cars bought within the last six months.
- Covers the difference between insurer payout and:
- The original invoice price, or
- The outstanding finance balance
- Whichever is higher
Ideal for finance and PCP customers.
Return to Value (RTV)
For vehicles bought more than six months ago, often from private sellers.
- Covers the gap between insurer payout and the vehicle value when the policy started
What does MotorEasy GAP Insurance include?
- 5-star Defaqto rated cover
- 24-hour payout once a claim is approved
- Covers factory or dealer-fitted options
- Up to £500 towards your insurance excess
- European travel included
- Access to a free MotorEasy account
What is not covered?
GAP Insurance will not apply if:
- You do not have comprehensive motor insurance
- The vehicle is not declared a total loss
- You are not the registered keeper or named on the finance agreement
- The vehicle was used for racing or competition
- The policy terms are not met
Always check the policy wording before purchase.
How much does GAP Insurance cost?
Most policies range from £100 to £300, depending on:
- Vehicle value
- Type of GAP cover
- Length of cover
Monthly options are available on some policies.
How Rivervale and MotorEasy work together
Once you place your vehicle order with Rivervale:
- Your details are securely shared with MotorEasy
- MotorEasy contacts you with a GAP Insurance option
- You choose whether to take cover
- There is no obligation
Your data is shared solely for the purpose of providing GAP Insurance and is handled in line with data protection regulations.
Is GAP Insurance right for you?
GAP Insurance is worth considering if:
- You are leasing or financing a vehicle
- Your car is new or low mileage
- You want to avoid unexpected bills after a total loss
It may not be necessary if:
- You bought outright with no finance
- Your insurer already offers full new-for-old replacement
- Your vehicle has low depreciation value
Add GAP Insurance with confidence
GAP Insurance is optional. The decision is always yours. By working with MotorEasy, Rivervale makes it simple to protect yourself from costly surprises.
Get a Quote
In just a few simple steps, discover how much a GAP Insurance Policy will cost to add peace-of-mind mind for the duration of your agreement.
