Gap Insurance can provide a solution to this problem. This supplementary insurance can be used to 'top up' the motor insurance settlement to take the customer back to the full invoice price they paid.
However, Gap Insurance policies offfered by motor dealers can be a little retrictive in many cases. The main issue is that they can only offer fixed term 3 year cover to their customers.
However, a quick search online will find a number of independent sources of Gap Insurance who can provide more options for Gap Insurance. Four year cover can be found for Return to Invoice and Vehicle Replacement Insurance (a level of cover rarely found at a dealer), and even 5 year cover form a few select brokers such as http://gapinsurance123.co.uk
If you are looking for extended gap insurance coverage, then help certainly can be found
# # #
Independant Gap Insurance broker provideing products to motor dealers and direct to the general public