Car Insurance

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Gap Insurance

Gap Insurance is designed to protect your investment by paying you the difference between your insurers settlement (in the event of total loss - write-off or theft) and what you originally paid for your car.

With gap insurance you get added protection on top of your fully comprehensive motor insurance if your car is written off as well as a payout that fills the gap between the purchase price and your own insurers payout. For example if you car cost £18,000 and your motor insurance settlement was only £11,000 then your gap insurance would pay you the remaining £7,000.

Click4Gap.co.uk have supplied dependable Gap Insurance for 20 years, buy online today at wholesale prices and save up to 75% on dealer prices!

Their new Return to Value Gap Insurance is now available up to 7 years after you bought your car! Click here for a free no obligation quote.

To get an idea how varying online car insurance can be, we filled out eleven online quote forms for Fully Comprehensive cover with ASDA, Churchill, Direct Line, Diamond, Elephant.co.uk, First Alternative, Halifax, Lloyds TSB, Norwich Union Direct, Swinton and Tesco.

We based our quotes around four different people; a 22 year-old single female and male and a 30 year-old married female and male.

The following points were kept the same for all 4 applications:

Company Annual Price Monthly Price Get a Quote
Tesco £360.15 £32.23
Direct Line £374.85 £33.50
Swinton £429.45 £39.29
Lloyds TSB £438.90 £40.23
Churchill £452.55 £40.31
Halifax £464.27 £41.75
First Alternative £519.00 £46.67
ASDA £571.41 £51.20
Norwich Union Direct £628.99 £56.61
Diamond £665.15 £58.32
Elephant.co.uk £686.15 £62.89


Company Annual Price Monthly Price Get a Quote
Direct Line £405.30 £36.17
Tesco £484.05 £43.10
Churchill £519.75 £46.32
Lloyds TSB £543.90 £44.54
Halifax £558.50 £50.22
First Alternative £624.18 £56.69
Swinton £672.13 £67.82
Norwich Union Direct £767.99 £69.12
ASDA £792.26 £70.99
Elephant.co.uk £803.75 £73.67


Company Annual Price Monthly Price Get a Quote
Direct Line £325.50 £29.11
Tesco £346.50 £30.99
Swinton £352.93 £35.61
ASDA £374.30 £34.93
Churchill £386.40 £34.54
Lloyds TSB £406.35 £37.24
Norwich Union Direct £413.00 £37.17
Diamond £417.35 £42.60
Halifax £460.23 £41.38
First Alternative £461.54 £38.46
Elephant.co.uk £461.95 £48.95


Company Annual Price Monthly Price Get a Quote
Tesco £273.00 £22.75
Churchill £318.15 £26.51
Direct Line £332.85 £29.80
Lloyds TSB £368.55 £30.71
Swinton £371.69 £34.01
Halifax £374.59 £31.21
ASDA £400.10 £35.85
Norwich Union Direct £438.00 £39.42
First Alternative £490.44 £40.87
Elephant.co.uk £520.63 £45.89


Asda ASDA
ASDA's online form was easy to follow and complete. Mostly standard questions and many items are pre-empted, such as address and car details. Completing the form took, on average, 2 minutes for each application. Click here to buy now.


Churchill Churchill
Churchill's form was very similar to Direct Line's and was easy and fast to complete. Each of the four applications took, on average, 2 minutes to complete. Click here to buy now.


Diamond Diamond
Diamond specialise in 'women only' insurance. Their website was simple, although the text appeared a bit too small. The form was quite comprehensive in comparison to the ASDA one and requested employment information, such as position and industry information. Completing the form took around 3 minutes for both applications. A password is set up to allow you to access the quote, should you wish to view or amend it at a later date. Click here to buy now.


Direct Line Direct Line
Direct Line was the quickest form to fill in that we completed. It took, on average, 2 minutes and most of the vehicle information was filled in automatically just from the registration number. Direct Line were also the only company to directly offer the opportunity to be quoted on all three different car insurance types. The prices obtained included a 10% online discount. Click here to buy now.


Elephant Elephant
The application form seemed similar to the Diamond one. The questions were very similar, and although it was quick to access the form from the company's main page, it had several errors whilst completing all four applications, resulting in a repetition of many pages. On one occasion, the error caused me to return to the beginning and start again. Application of each form took, on average, 10 minutes, which was the highest of all six companies applied to. Click here to buy now.


First Alternative First Alternative
Marketed for drivers of 'prestige' cars, First Alternative still quoted on the Renault Clio. The form was easy to follow and complete and each application took around 2 minutes to complete. All four quotes included a 10% online discount. Click here to buy now.


Halifax Halifax
When obtaining a quote from Halifax, it offers you the choice of having either a Halifax car insurance quote, or an Esure car insurance quote. In this instance, we went for the Halifax quote. The form was quick to complete. However, on entering the SP30 speeding conviction, it informed us that we would have to call Halifax directly and obtain a quote over the phone. There were no reasons given for this, but the form would not allow us to fill in any further information. Halifax were the only insurer to have an issue quoting to someone with an SP30 speeding conviction.

Please note: to complete the online application, we removed the speeding conviction. This will obviously have an impact on the prices quoted. Click here to buy now.


Lloyds-TSB Lloyds TSB
Lloyds TSB's quotes are all operated by Churcill Insurance Company Ltd, but it's intereting that they differ from the actual Churchill quotes. Lloyds TSB claim on their website that you can save, on average, £156 but switching to them. Click here to buy now.


Norwich-Union Norwich Union
Norwich Union offer a range of vehicle insurances, including car and van insurance. The online form was easy to complete and asked the standard questions. All four forms took about 2 minutes to complete. Click here to buy now.


Swinton Swinton
Swinton are another insurer who provide a variety of vehicle insurance, including taxi, motorcycle and car. The quotes and policies are arranged by its4me.co.uk, who also deal with servicing requirements in the future. Both Swinton and its4me.co.uk are part of the MMA Group of companies. The online forms are easy to fill in and take, on average 2 to 3 minutes to complete. Click here to buy now.


Tesco Tesco
When filling out the form for Tesco car insurance, you are informed that it can take up to 10 minutes to complete the form. This was slightly off-putting but in reality, it took about 3 minutes to complete each of the four forms. The website and form are both clear and easy to follow. Tesco Car Insurance is underwritten by UK Insurance Ltd. Click here to buy now.


The average for each person is based on the quotes we received from all the insurers we contacted.

Car Insurance Averages

Person Average
Female aged 22 £508.26
Male aged 22 £617.18
Female aged 30 £400.55
Male aged 30 £388.80


Based on our research on the insurance companies we have quotes from, the cheapest quote for each person is listed below:

Cheapest Car Insurers

Person Insurer Get a Quote
Female aged 22 Tesco
Male aged 22 Direct Line
Female aged 30 Direct Line
Male aged 30 Tesco


By looking at the difference between the cheapest and highest quotes from insurers, it shows why it pays to shop around for the best deal.

In our examples, the biggest difference was over £350 between the cheapest and highest quotes.

Difference Between Cheapest and Highest Quotes

Person Difference Cheapest quote Highest quote
Female aged 22 £326.00 Tesco Elephant.co.uk
Male aged 22 £398.45 Direct Line Elephant.co.uk
Female aged 30 £136.45 Direct Line Elephant.co.uk
Male aged 30 £247.63 Tesco Elephant.co.uk