The average payout for the top ten MotorEasy Guaranteed Asset Protection (GAP) insurance claims has increased by 17% to £27,995 in 2025, according to Intelligent Motoring.
This is five times the level of inflation. The UK annual inflation rate, measured by the Consumer Prices Index (CPI), was 3% in the 12 months to February 2026
It said the move reflected a combination of rising vehicle prices, longer finance agreements and the increasing theft of newer, higher-specification models.
One in four of all MotorEasy GAP insurance claims in 2025 were theft-related, as were 37% of the top one hundred claims in terms of value. This, it said, underlined the growing financial impact of vehicle theft across the UK.
As motorists take delivery of brand new 26 plates this March, MotorEasy’s GAP insurance theft claims reveal BMW, Ford and Mercedes-Benz as the most stolen brands.
This, it said, mirrored findings from DVLA data obtained via a Freedom of Information (FOI) request by MotorEasy, listing Ford and BMW as the most stolen car brands across the UK in 2025.
The DVLA data also reveals that car thefts rose by 12.8% year-on-year, with some 60,900 cars stolen.
Duncan McClure Fisher, CEO of MotorEasy’s parent company, Intelligent Motoring said: “Our latest GAP insurance claims figures highlight just how significant the financial impact of vehicle theft can be for drivers.
“A 17% rise in the average payout for the top claims reflects not only the increasing value of claims, but also how quickly vehicles, particularly high-end EVs, can depreciate in today’s market, making financial shortfalls more likely and reinforcing the importance of GAP cover.”
