Motorcycle Invoice Gap Insurance
- NEW or USED bikes (up to 10 years old) from a dealership
- Return to INVOICE for bikes bought less than 185 days ago
- NO exclusions for modified bikes (factory options covered)

What is GAP insurance?
If you’ve landed on this page, it’s probably because you have at least some idea about what GAP insurance is and know how important it is. If you have no idea what GAP insurance is… don’t worry! We have all the information you need right here!
Guaranteed Asset Protection Insurance (GAP) is designed to protect you from a hit in the pocket if your motorbike is declared a 'total loss' or write off by your bike insurer.
If your motorbike is deemed a total loss (typically because of an accident or theft), insurers will only pay you market value for your motorbike at the time of the incident; therefore, because your motorbike will depreciate in value over time, there is likely to be a “gap” in the financial settlement between what is paid out by your bike insurer and the amount that you purchased your motorbike for.
In the case of bikes that are purchased with finance, shortfalls are potentially made bigger, in turn meaning that you face a double hit by having an uninsured liability and no motorbike to enjoy or use for essential journeys.
Important: BeMoto GAP Insurance is for motorbikes only, i.e. not for scooters, quads or trikes.
Read on for more information, example claims and policy premiums; plus FAQs to help make up your mind.
BeMoto Return to Invoice (RTI) GAP
If you have purchased a brand new bike (or a used bike that is less than 10 years old) within the last 185 days from a VAT Registered Garage or Dealership, then RTI GAP pays the difference between your bike insurer's total loss settlement and the purchase price you paid for your bike - including any factory fitted options and up to £1,500 of dealer fitted modifications if paid for at the same time.
BeMoto policies are designed by bikers for bikers, so... unlike many policies:
- Aftermarket modifications do NOT invalidate your cover, although the insurer won't replace them (they'll only pay up to the £1,500 for factory options or modifications that were paid for and fitted by the dealer at the time).
- You don't need to guess the depreciation amount or "gap" to insure. Our RTI GAP policy is unlimited up to the value of the bike you paid / level you choose, i.e. if your bike was £20k and you choose the £20k option, then it will cover the full gap up to £20k.
If you bought your bike more than 180 days ago, or from a private seller, or if it is over 10 years old / 100k miles already, then our Total Loss Protect GAP Insurance could be the right product for you.
EXAMPLE RTI GAP CLAIM: "Mind the GAP"
This Image illustrates the simple function of GAP Insurance. Imagine you buy a bike worth £20,000, and after 2 years and a lot of fun miles, you have an insurance claim that means the bike will be written-off. At that time, a reasonable market value for the bike might be £12,000 - which may clear your finance agreement but without GAP insurance you would be looking at a shortfall of £8,000 from what you paid for the bike:
- What about those factory options and dealer fitted modifications you lovingly added at the time?
- When will you afford the new modern equivalent bike, dripping with the latest tech, that's gone up in price?
- How about the extra shock of your insurance excess and potential early finance termination costs?
In this example, RTI GAP insurance could cover all of these by providing an extra £8,000 on top of the bike insurance pay-out.
Contract Hire & Lease
Contract Hire and Lease pays the difference between your motor insurer's settlement and any outstanding rental/lease payments you may have. This policy is for you if you hire or lease a bike and you can take an option of covering any upfront lease or rental payments up to £3,000.
In the event of your bike being declared a total loss then this policy can cover the outstanding contract hire settlement.
How much does BeMoto Return to Invoice GAP insurance cost?
Premiums are very competitive compared to other products in the market and this cover has been designed to be fit for bikers (most are just car policies for bikes).
Note: RTI GAP policies cannot be renewed or extended yearly or at the end of the policy; therefore, it makes sense to obtain a policy for as long as you plan to keep your motorbike:
Return To Invoice GAP Insurance - Prices By Bike Value* | 2 Year Policy | 3 Year Policy | 4 Year Policy |
---|---|---|---|
Bikes up to £10,000 value | £176.96 | £190.40 | £221.76 |
Bikes £10,001 - £15,000 value | £201.60 | £215.04 | £248.64 |
Bikes £15,001 - £20,000 value | £215.04 | £232.96 | £275.52 |
Bikes £20,001 - £25,000 value | £284.48 | £311.36 | £344.96 |
Bikes over £25,000 value | POA | POA | POA |
* Prices correct as at August 2020
BeMoto RTI GAP Insurance Benefits
Remember, the policy covers the full gap up to your chosen bike value level. No need to try and guesstimate the potential shortfall. Plus, you can still modify your bike without invalidating cover (although the insurer won't pay for aftermarket mods carried out once it leaves the factory / dealership).
Note: For RTI GAP you must have comprehensive insurance cover in place for the entire time the policy is in place. If you have do not have comprehensive cover, check out our Total Loss Protect GAP Cover.
Return To Invoice GAP Insurance Benefits | Cover Included |
---|---|
Excess contribution to minimise financial struggles (£250) | ✔ |
30 Day Money Back Guarantee | ✔ |
Settles Finance, Hire & Lease Agreements | ✔ |
Cover for new and used bikes bought from a dealership or garage within the last 180 days* | ✔ |
Cover for Factory Fitted Options and Dealer fitted modifications (up to £1500) | ✔ |
Cover for Named Riders | ✔ |
* If you have purchased a bike from anywhere but a VAT Registered Garage or Dealership, purchased a bike aged over 10 years or with over 100,000 miles, or the bike has been purchased more than 185 days before you purchase GAP Insurance, then this cover will not be suitable. Instead you should consider Total Loss Protect.
The information contained on this page is a brief summary of policy conditions. For a full list of all conditions please refer to the Insurance Policy Information Document (IPID) and GAP Policy Documents before purchase.