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Subaru GAP Insurance

The fact that Subaru’s historic reputation revolves around both farming and rally driving should give you a strong indication of the Japanese brand’s strengths. Subarus are tough, hardy machines that take the great outdoors in their stride, thanks largely to the brand’s long-standing devotion to four-wheel-drive.

But you don’t have to be Colin McRae to appreciate the solid build-quality and powerful engines of a Subaru. Models like the Impreza showcase the brand’s potential to deliver more mainstream, family-friendly cars, while the manufacturer’s impressive reputation for reliability should gain fans across the market. Our own recent reliability survey found Subaru to the most dependable car brand in the UK, so anyone who wants to keep repair costs down could a lot worse.


Why do I need Subaru GAP insurance?

Put simply, Subaru GAP insurance is a great way to ensure that you aren’t caught short in the event of a write-off. No one likes to contemplate the worst-case scenario, but the facts are hard to ignore. Nearly half a million cars are written-off in the UK every year, so it makes sense to protect yourself accordingly.

You may be happy with your car insurance policy but there’s a very good chance it will come up short in the event that your car is written-off or stolen and you need to claim its full value.

Most insurers only pay out the current market value of a car in such circumstances, a sum that’s almost always well short of the price you’d have to pay for a new like-for-like replacement.

It’s therefore important to consider depreciation which, sadly, tends to kick in the moment your shiny new Subaru departs the showroom forecourt. After three years it’s likely your car will have decreased in value by 60%, meaning the insurance payout on a three-year-old Subaru is likely to be around 60% less than the price you paid for it.

If you purchased a new Subaru XV for £25,000, its value may have dropped to £10,000 three years later. Therefore, the insurance payout on a three-year-old XV in the event of a write-off could be £15,000 less than the price you paid for it. That’s a lot of money to find just to buy a new replacement.


What do I get with MotorEasy?

If you want truly comprehensive cover MotorEasy GAP insurance offers you the protection you need. Essentially, GAP insurance covers the gap between a depreciation diminished payout and the price of a shiny new replacement car, ensuring you won’t need to find extra funds to replace your Subaru. 

GAP cover makes even more sense if you’re paying for your car with a leasing arrangement or PCP financing, which could leave you exposed to considerable debt in the event of a write-off.   

Available for all cars up to 8 years old (or with up to 70,000 miles on the clock), MotorEasy GAP Insurance represents a smart, easy and affordable way to remove these risks and enjoy your Subaru.


Car Theft

Write-offs are more common than many motorists imagine. In fact, more than half a million cars are written-off in the UK every year. It may not be a scenario anyone wants to contemplate but the threat of a write-off shouldn’t be underestimated.

But what is a write-off? Typically, write-offs are the result of accidental damage, but MotorEasy GAP insurance also covers you against car theft, which accounts for a rising number of write-offs every year. Indeed, statistics show that car theft is on the up, so it makes sense to properly protect yourself against it.

112,174 motor vehicles were stolen in the UK in 2017/18, that’s the equivalent of 307 every day. Sadly, that figure also represents a significant increase on previous years and the continuation of a 50% leap in car theft over the last five years.


Getting your Subaru GAP Insurance quote

Getting your MotorEasy Subaru GAP Insurance quote is quick and easy. Our GAP Insurance page gives you all the information you need and access to a quick and easy tool that gives you a MotorEasy GAP Insurance quote in a matter of seconds.