Can I Buy Gap Insurance Later Direct

: Finding gap insurance for used cars is more difficult through standard insurers, but specialized brokers like RH Insurance (1.4.8) may offer coverage for vehicles up to 10 years old.

: To add a Waiver of Depreciation (the insurance company version of gap coverage in Ontario), you typically must be the original owner, and the vehicle must be within 24 to 48 months of its purchase date.

: Brokers like Excalibur Insurance (1.4.7) or BrokerLink (1.4.1) can help you find standalone gap products or "Optiom Prime" policies that cover both new and used vehicles.