Mis-Sold GAP Insurance Claims
Dealers were earning up to 70% of your GAP premium in hidden commission.
The FCA has acted. 80% of providers have suspended sales. Millions of consumers may be owed compensation for GAP insurance that was sold without proper disclosure.
Check if You Have a ClaimOf premiums went to dealers as hidden commission
Of premiums were actually paid out in claims
Of providers suspended sales after FCA action
What They Didn't Tell You
GAP insurance itself isn't the problem — it's a legitimate product that covers the difference between your car's value and what you owe on finance. The scandal is how it was sold.
For every £300 you paid for GAP cover at a dealership, the dealer may have pocketed £210 in commission — and they never told you.
Worse still, the same cover was often available online for under £100. You weren't told that either. The FCA has now confirmed these practices were widespread and did not provide "fair value" to consumers.
The PPI Scandal — Round Two
Hidden commission. Pressure selling. Failure to disclose alternatives. Sound familiar? GAP insurance followed the same playbook as PPI.
Hidden Commission
Commission rates varied, with some dealers receiving a significant portion of your premium. This was often not disclosed, creating an unfair relationship.
No Alternatives Given
You weren't told you could buy the same cover elsewhere for a fraction of the price. Dealers had no incentive to tell you.
Poor Value
Regulators have raised concerns about low claim payout rates in the GAP insurance market, suggesting the product may have failed to deliver value.
With PPI, millions of valid claims were never made. Don't make the same mistake.
Read about FCA action →Check if Your GAP Insurance Was Mis-Sold
Answer a few questions about how your GAP insurance was sold. This takes a few minutes to start your claim.
Did you buy GAP insurance when you purchased or financed a car?
Why Choose Blue Lion Law?
We're a regulated law firm, not a claims management company. That means higher standards, proper legal expertise, and your interests always come first.
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Authorised by the Solicitors Regulation Authority (No. 815166)
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You pay nothing unless your claim succeeds
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Proper legal assessment of your individual case
GAP + PCP Claims
We can assess both claims together
Learn More About the GAP Insurance Scandal
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