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National GAPS GAP Insurance in Worcestershire

Last updated: 16 April 2026

National GAPS has been implicated in the Financial Conduct Authority’s (FCA) investigation into the mis-selling of GAP insurance across the UK, including in Worcestershire. The FCA found that consumers were often pressured into purchasing GAP insurance at significantly higher prices than available elsewhere, and many dealerships engaged in a discretionary commission arrangement (DCA), which allowed them to earn extra commissions on these sales.

GAP Insurance Sales in Worcestershire

GAP insurance is commonly sold alongside new car purchases at local dealerships across Worcestershire. Dealerships often take advantage of the consumer’s excitement about buying a new vehicle, pressuring them into purchasing GAP insurance at point-of-sale. According to the FCA report, these policies were frequently priced much higher than what could be obtained from third-party providers or online retailers.

In Worcestershire, where approximately 604,000 people reside (ONS Census 2021), many residents may have been affected by this practice. The typical cost of GAP insurance sold through dealerships in the area can range from £300 to over £1,000 for a new car. However, consumers could find similar policies online or through brokers starting at around £50 to £200, depending on the cover required.

How to Complain to National GAPS from Worcestershire

If you believe that you were mis-sold GAP insurance by National GAPS in Worcestershire, it is important to know that you can complain directly to the company. The process is straightforward and free; there is no need for a claims management company. To start your complaint, visit the official National GAPS website at https://www.nationalgaps.co.uk/complaints.

The first step is to gather all relevant documents related to your purchase, such as contracts, invoices, and any communications with the dealership or salesperson. You can then submit a formal complaint via their online form or by contacting them directly through email or phone. National GAPS will review your case and provide you with feedback on how they plan to resolve it.

What Worcestershire Residents Should Do Next

If you suspect that you were overcharged for GAP insurance, the next step is to check the price you paid compared to alternative providers in Worcestershire. You can also look back at any documents or communications from your dealership purchase to see if there was an attempt to pressure you into buying GAP insurance on the spot.

It’s important to note that you have a cooling-off period after purchasing car finance products, including GAP insurance. This period allows you to cancel the contract without penalty within 14 days of signing it. If this right has been overlooked or waived improperly by your dealership, you should bring this up in your complaint to National GAPS.

You do not need a claims management company to handle your complaint; the process is designed for consumers to manage on their own directly with the provider. This ensures that you can keep all potential compensation and avoid any additional fees associated with third-party services.

Sources and References

Financial Conduct Authority (FCA) Report on GAP Insurance Mis-selling
ONS Census 2021: Population of Worcestershire
National GAPS Official Website: https://www.nationalgaps.co.uk/complaints

Frequently Asked Questions

What is National GAPS GAP insurance and how does it affect Worcestershire residents?

National GAPS provides Guaranteed Asset Protection (GAP) insurance that can protect Worcestershire residents by covering the difference between what their vehicle insurer pays out in a total loss claim and the outstanding finance or lease balance on their car. This means if your car is written off, GAP insurance helps to pay back any remaining loan amount you owe.

How can Worcestershire residents make a complaint about National GAPS GAP insurance mis-selling?

Worcestershire residents who believe they have been mis-sold National GAPS GAP insurance should contact the provider directly to raise their concerns. You do not need a claims management company; you are entitled to complain free of charge by contacting National GAPS or the dealer who sold you the policy.

What were some of the issues identified in the FCA investigation regarding GAP insurance sales, including those from providers like National GAPS?

The Financial Conduct Authority (FCA) found that consumers were often not informed about cheaper alternatives to GAP insurance or given proper cooling-off periods. there was pressure at the point of sale for customers to purchase GAP insurance immediately, which could affect Worcestershire residents who bought from providers such as National GAPS.

Important: MLJ.org.uk is an independent information resource. We are not a claims management company, solicitor, law firm, or financial adviser. We do not process claims, take fees, or provide advice. Where the law gives you a right to complain or claim directly (to a lender, council, FOS, court, or regulator), you can do so without paying a third party. MLJ.org.uk is operated by Copious Ltd, registered in England and Wales, company number 11437826.