Great cover for new and used cars
Click4Gap Finance Gap Insurance is available to you if you have elected to buy your car using a Motor Loan or HP Agreement through your supplying dealer.

Added Protection
Avoids you being out of pocket if your Motor Insurer pays you less than you must pay to settle your loan if your car is declared a "Total Loss".

Pays the shortfall needed to settle your finance agreement
Pays the difference between the amount you receive from your Motor Insurer and the Early Settlement figure of your Finance Agreement - even if the interest charged makes that higher than the amount you borrowed or paid for the car!

In the UK car crime is a third of all crime, a vehicle is stolen every minute with a third never being recovered. A sad fact is that over 500,000 vehicles become a total loss each year.

• Motor Insurance settles the depreciated value, not the amount you originally paid.
• From the second you start driving your car it?s depreciating.
• Insurance Companies depreciate cars by up to 60% over a three year period.
• You could be seriously out of pocket if your Motor Insurer pays you less than you must pay to settle your loan if your car is declared a "Total Loss"
• A car is stolen every minute of the day in the UK
• Over 500,000 vehicles become a total loss each year

Now the good news? If this happens our Finance Gap Insurance will pay to you the difference between the Early Settlement figure of your Finance Agreement and the settlement you receive from the Comprehensive Motor Insurance Policy ? even if the interest charged makes that higher than the amount you borrowed or paid for the car!

Available for New and Used Cars
Refunds up to £25,000

Covers cars up to...
£50,000
80,000 miles at start of policy
7 years old at start of policy

Available whether you paid by...
Motor loan
HP Agreement
Conditional Sale

Pays the difference between your Motor Insurers settlement and the amount you need to settle your Finance Agreement.

• Avoids you being out of pocket if your Motor Insurer pays you less than you must pay to settle your loan.
• Provides cover against financial loss in the event of your motor insurer declaring your vehicle an insurance write-off

Statistically, your insurer will depreciate you car by up to 60% over three years.

Remember, the value of your car could be a lot less than you must pay to settle your loan.

EXAMPLE ONE

Car Cost Deposit Amount Borrowed

£7,000 £1,000 £6,000

• Your Motor Insurer pays you £5,050
• From the second you start driving your car it?s depreciating.
• BAD NEWS! You are £750 out of pocket
• GOOD NEWS! Finance Gap will pay £750

EXAMPLE TWO

Car Cost Deposit Amount Borrowed

£15,000 £300 £14,700

Now we?ll show you how Finance Gap can pay the difference even if the interest charged makes the settlement higher than the cost of the car

• Your Motor Insurer pays you £13,500
• You owe £15,200 to settle the outstanding finance
• BAD NEWS! You are £1700 out of pocket
• GOOD NEWS! Finance Gap will pay £1700

You?re buying direct...
No salesman commission
No dealer add-ons
No showroom overheads

The internet lowers costs...
High sales volume means lower prices

Now you can bypass the dealer and save up to 75%

Whatever the reason, you can cancel your policy within the first 21 days and we will refund your premium in full

Sometimes the car you ordered doesn't arrive, or the dealer needs to replace it for mechanical reasons. No problem, we will transfer the cover to your replacement car free of charge.

Click4Gap have provided Gap Insurance for 20 Years.

Now we're online and you can buy from us directly.

Immediate Cover online at Wholesale Prices.

Whilst Click4Gap is an online business. if you prefer to speak to us, we?re based in Wimbledon, London and happy to take your call.

After 20 years we understand the importance of good Customer Service.

We're no "New Kid on the Block". Insurance products have been our business for over 20 years.

We understand Gap Insurance because we've supplied hundreds and thousands of policies.

We know how a policy works, from "inception to claim" through experience.

Our polices are supplied with clear "terms and conditions" and offer robust dependable cover.

About a million Gap policies are sold annually, until now you had no alternative but to pay dealer prices.

We have taken the decision to supply Gap Insurance to you directly instead of via the Motor Dealer.

Now you can pay wholesale prices.

Finance Gap Insurance Is Suitable For

• New and used Vehicles
• Used for private or business purposes.
• Purchased using finance including but not limited to Motor Loan and Hire Purchase

You Are Eligible For This Cover If

• Your Vehicle is less than 7 years old at inception of the Policy
• Your Vehicle has covered less than 80,000 miles at inception of the Policy.
• The Purchase Price of Your Vehicle does not exceed £50,000

• Provides cover against financial loss in the event of your motor insurer declaring your vehicle an insurance write-off
• Pays to you the difference between the Early Settlement figure of your Finance Agreement and the settlement you receive from the Comprehensive Motor Insurance Policy ? even if the interest charged makes that higher than the amount you paid for the car!
• Can pay you up to a maximum of £25,000
• There is no maximum mileage limit from the date of purchase
• Cover available for up to five years,
• Cover can be purchased up to 90 days after taking ownership of the vehicle.
• 21 Day Money Back Guarantee. Whatever the reason, you can cancel your policy within the first 21 days and we will refund your premium in full.
• Transfer Cover Free for 90 days. Sometimes the car you ordered doesn't arrive, or the dealer needs to replace it for mechanical reasons. No problem, we will transfer the cover to your replacement car free of charge.
• The Comprehensive Motor Insurance covering the vehicle does not have to be in your name.
• Your Total Loss is covered when it occurs within Great Britain, Northern Ireland, the Isle of Man, the Channel Islands, member countries of the European Community and any other country for which an international motor insurance card ("Green Card") in respect of the Vehicle is effective at the Date of Loss.

• A Finance Agreement where the duration is greater than 60 months
• A Finance Agreement greater than £24,999
• Any amount carried over from a previous finance agreement
• Any financed amount not related specifically to the Vehicle.
• Any Finance Agreement that allows for delayed payments, irregularly scheduled payments, payments less frequently than every 3 calendar months, personal credit plan, lease purchase or any agreement that has a balloon or residual payment.
• Vehicles not covered by an in-force and valid comprehensive motor Insurance policy.
• If the Total Loss was not covered, or full and final settlement was not paid, under a Comprehensive Motor Insurance Policy
• Vehicles fitted with Non Manufacturer specified modifications including but not limited to engine modifications; up-rated brakes, roll cages; steering column extension. Modifications such as alloy wheels, in-car entertainment, sat-nav, hands-free kit, roof rails, tow bar do not preclude the vehicle from being covered.
• Vehicles used for hire or reward, delivery courier, driving school, haulage, competition, racing, pace making, reliability trials or off road, speed testing or used by an entity formed for the purposes of selling or servicing motor vehicles.
• Additional costs including but not limited to road fund licence, warranty, motor insurance, dealer fitted extras or motor insurance excess
• If the Vehicle was being driven by a person not covered under a Comprehensive Motor Insurance Policy; or who does not hold a valid licence or are intoxicated by alcohol (as defined by legal limits); or under the influence of drugs not prescribed by a registered medical practitioner; or being driven illegally.
• Vehicles Not shown in Glass?s Guide, all commercial vehicles, vans or car derived vans, motor cycles, invalid carriers, Grey Imports and any American make of vehicle unless manufactured as right hand drive for the UK market. Full list of excluded manufacturers available on request.

If You decide not to proceed, You have 21 days from the date you purchased the policy to cancel. We will refund any premium You have already paid.

If the Insurer cannot meet their obligations Your policy is covered by the Financial Services Compensation Scheme (FSCS). You can get more information us or from the Financial Services Compensation Scheme Tel: 020 7892 7300

This Insurance is provided by Click4Gap.co.uk on behalf of Red Sands Insurance Company (Europe) Limited. Claims are handled by Click4gap.co.uk (a trading name of Future45 Ltd) who are authorised and regulated by the Financial Services Authority 461102. You can check this on the FSA?s Register by visiting the FSA?s website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

Red Sands Insurance Company (Europe) Limited is a member of the UK?s Financial Services Compensation Scheme, Association of British Insurers and has subscribed to the Financial Ombudsman Service Voluntary Jurisdiction.