The insurer, Red Sands Insurance Company (Europe) Ltd., is the specialist
in UK motor related insurance products.

• Member of The Association of British Insurers (A.B.I.)
• A voluntary member of the Financial Ombudsman Scheme
• European Regulated
• Underwrite one of the UK's largest Mechanical Breakdown Insurance books
• Your policy is protected by the Financial Services Compensation Scheme

For further information about Red Sands please visit www.redsands.gi

No. Your dealer may put you under pressure to buy from them as it is a good source of commission (as is evident from the increased premiums usually charged). YOU MAY PURCHASE GAP OR RTI FROM ANY SUPPLIER

If you're being pressurised in this way, the salesperson is at best ill-informed or worse deliberately misleading you to reach his personal targets. Like all insurance's, GAP should be purchased based on quality of cover and premium.

Simple, we have been selling Gap insurance "wholesale" to the motor trade for twenty years. Our web-site allows you to buy direct and pay the same wholesale premium.

When an insured person has claimed under their comprehensive and/or fire and theft motor insurance policy and the claim has been settled, with the vehicle forfeited and a total loss payment made.

You can purchase the policy up to 90 days after you take delivery of your car.

The premium quoted is the total cost (including ipt) for the entire term. No catches, no extras, no hidden charges.

Yes you can. There is no increase in premium at all.

The date of purchase is the date you collected the car.

Yes, as long as there is in-force and valid comprehensive motor insurance covering the driver at the time. We believe this to be a unique offering from Click4Gap.

This is the maximum amount the Gap Insurance will pay in the event of a claim.

New for old replaces like for like, so your insurer will source your current model from the cheapest place. Wouldn't you prefer the latest model or perhaps even a completely different car? Don't forget, after the first year you will not only lose the limited cover your insurer offers - you will be unable to purchase Gap Insurance as it can't be taken a year after purchase. So yes, Gap Insurance is definately of value if you have "New for Old" from your Motor Insurer.

Return To Value Gap cover is available for up to four years, RTI four years and VRI three years, or when you sell or transfer ownership of the vehicle, whichever is the sooner.

Unfortunately not, the insurance only covers the person or company who paid for the insurance whilst the car is under their ownership.

No, not at all. The only stipulation is the Gap Insurance Policy must be in the name of the "Registered Keeper" (that's the name on the V5/log book for the car).

Simply contact the claims office, supply any information which may be needed to establish the amount of any payment under this insurance and notify the police as soon as reasonably possible. Then wait for the cheque!

As you are aware cars are very safe, designed to crumple in the event of impact - unfortunately this results in more vehicles becoming total loss. OVER 500,000 VEHICLES BECOME TOTAL LOSSES EACH YEAR

When was the last time you rushed to the sound of a car alarm? CAR CRIME IS 30% OF ALL CRIME

Yes you would be covered under the policy, but only if the driver was within the legal limit for alcohol consumption.

Unfortunately we don't have this facility at the moment. You could, of course, pay for the insurance indirectly on a monthly basis by paying with your credit card.

Yes, if your car is a "Parellel" import. No if your car is a "Grey" import. See below for definitions.

A vehicle that does not comply with European Union vehicle type specification and which is imported from outside the UK (usually Japan)

Parallel imports will have been produced for a European Member State and will conform to European Wide Type Approval.