We all know that car insurance policy prices are based on the type of vehicle you have, your age, driving history and even where live. New European laws means that your gender should not make any difference.

You may also have to pay more depending upon what you use for your vehicle for, e.g as a private hire taxi, or driving school.In fact we are encouraged to drive carefully with discounts for drivers who have not made a claim in the form of no-claims discounts.

So how are gap polices calculated and why is the model of the vehicle not as important?When it comes to gap insurance while there will be certain excluded vehicles such as Lamborghini and Maserati ( always read every policy you are considering before you buy as excluded vehicles can vary from supplier to supplier ) the model is not the most important thing and if anything no where near the priority that it is with car insurance.

Instead it is always all about where you bought your vehicle from and the invoice price your paid. After all if you are protecting yourself with a form of return to invoice gap insurance or vehicle replacement insurance your gap insurance provider will need to see the invoice to confirm the purchase price and the extras that your vehicle had. It is purely and simply a financial amount that you are protecting.

Your local dealership who can only offer the insurance company a certain type of vehicle for example a Bentley dealership will only offer gap insurance for Bentley, a Motor home dealership will only offer gap insurance for a motor home, most on-line suppliers can spread any high risk manufactures by absorbing them into a real cross section of policies.

This in turn means that in most cases your will be charged the same amount for motor bike gap insurance as you would for say a policy for a Ford Fiesta.Any as gap insurance is all about the financial risk you will notice that the length of your licence or your driving history is never brought into factor.

This is really good new is your are a more novice or younger driver as again you will pay the same as a more mature driver even with many years no claims discounts.So in summary gap insurance prices are based on the invoice price of the vehicle you have purchased, and where you purchased it from. Your age, gender, driving history or type of vehicle ( excluded manufacturers exempt ) do not have any effect.