Guaranteed Asset Protection (GAP)

Our very experienced team’s strength lies in our ability to provide a range of solutions from filling a financial gap to replacing the vehicle.

Predominantly designed for the Automotive marketplace, the products protect the financial shortfalls that can occur between the Insurance settlement and unit values following a Total Loss.

Our infographic explains how GAP cover can be as simple as 1-2-3. Imagine if a customer’s vehicle is written off because of an accident, fire or theft. We show you the three types of protection:

Finance GAP – bridging the shortfall between the insurance value and any outstanding finance on the vehicle.

Vehicle Replacement – providing a like-for-like vehicle, putting you back in the position you were before the loss.

Return to Invoice – a cash sum to ensure that the original invoice value of the vehicle is matched.


Our claims approach is integral to our underwriting philosophy and drive for operational excellence.


Key Contacts

General Contacts


+44 (0)204 551 0444



We are committed to excellence through every part of the service we deliver. Our first question is always – how can we do this better? Whether a new risk or a renewal, we seek continuous improvement.

Our Brochure

The White Oak Underwriting brochure provides an overview of how we deliver our solid underwriting and robust claims service across a range of selected markets in over 40 territories. 

Download our brochure