Gap Insurance , the insurance that more or less means if your car is written off , you get a brand new car , and not the value of the car at the time of the accident , but !!!.....my dealer who will remain nameless was going to charge me £399.00 for three years cover ....my own insurance people ..well a bit different !!...£160.00 for three years cover , a bit of a difference there !!.. see also this link ...Gap insurance: do you need it?