Great cover for cars owned for up to 7 years
Click4Gap Return to Value (RTV) Gap Insurance is available to you if you have owned your car for more than 3 months and less than 7 years. Whether you paid cash or borrowed the money from a Bank or Motor Loan or even chose Contract Hire or a Leasing agreement.

Added Protection
If you are leasing a car, paid for your car using a bank or finance house loan or simply paid cash, Return to Value (RTV) Gap Insurance will protect you against depreciation if your car's stolen and not recovered or damaged beyond safe or economical repair and your motor insurer declares it to be a total loss.

Get back the value of your car today ? not the depreciated loss value
When your motor insurer declares your car to be a "total loss" through theft, vandalism or accident, it's really important to understand that they typically only pay the loss value, the value of your car on the date of loss ? not the value of your car today.

Now the good news, if this happens Click4Gap Return to Value (RTV) Gap Insurance will pay the depreciation, the difference between the value of your car today and loss value of your car... it's that simple!

To ensure the benefit due to you is fairly and impartially calculated, like all responsible insurers Click4Gap undertake to recognise the independent third party valuation of Glass's for accurate valuations. Glass's Guide has been the motor and insurance industries leading car valuation service for almost 75 years. As with all responsible Gap providers, should the value be called into question, we refer to the Glass's Guide.

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 purchase value.
• From the second you start driving your car it's depreciating.
• Insurance Companies depreciate cars by up to 60% over a three year period.
• A car is stolen every minute of the day in the UK.
• Over 500,000 vehicles become a total loss each year.
• You pay the deprecation, not your motor insurer.

If your motor insurer declares your car to be a "total loss" through theft, vandalism or accident, they will typically pay you the loss value, the value of your car on the date of loss ? not what it is worth today. In other words, your motor insurer doesn't pay the depreciation

Now the good news, if your car is a total loss, Return to Value (RTV) Gap Insurance does pay the depreciation, the difference between the value of your car today (vehicle value) and the value of your car at time of loss (loss value)... it's that simple!

To ensure the benefit due to you is fairly and impartially calculated, like all responsible insurers Click4Gap undertake to recognise the independent third party valuation of Glass's for accurate valuations. Glass's Guide has been the motor and insurance industries leading car valuation service for almost 75 years. As with all responsible Gap providers, should the value be called into question, we refer to the Glass's Guide.

Like all responsible insurers Click4Gap undertake to recognise the independent third party valuation of Glass's for accurate valuations.

The value of your car today is the Glass's Guide "mid" book value for a car of the same make, model specification level, age, book mileage and overall condition on the inception date.

The value of your car at time of loss is either the motor insurers settlement or, if greater, the Glass's Guide retail value for purchasing or replacing the car.

Can be purchased up to 7 years after you bought
your car
Refunds up to £25,000

Covers cars up to...
£50,000
80,000 at inception (no mileage limit after inception)
7 years old at inception (no age limit after inception)

Available whether you paid by...
Cash
Motor loan
Personal Loan
Contract Hire
PCP
Lease

Provides cover against financial loss where it's unsafe to repair the car, the cost of repair is greater than the pre-accident loss value, the car has been stolen and not recovered and your motor insurer declares your car an insurance write-off/total loss

• Refunds depreciation
• Protects your investment
• Replace your car with one of similar value.
• Can pay you up to a maximum of £25,000
• There's no maximum mileage limit from the date of purchase
• Cover available for up to four years
• Cover can be purchased up to 7 years after taking ownership of the car
• 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
• The Gap policy holder doesn't need to be the registered keeper or even the comprehensive insurance policy holder, but they must be named on the motor insurance policy.
• 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
• Cover can be purchased for cars bought from non vat registered garages or private individuals.
• 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 car is effective at the Date of Loss

Let's assume your car's stolen or you've had an accident and your car's damaged beyond safe or economical repair causing you to need to make an insurance claim. In this instance your motor insurer will declare the car to be a "total loss" otherwise known as a "write-off".

Remember, typically the settlement they pay will be based on the value of your car at the time of loss ? not what it is worth today!

This is where Return to Value (RTV) Gap Insurance protects you. Return to Value (RTV) Gap Insurance pays the depreciation, the difference between the loss value, value of your car at time of accident or theft; and what it is worth today.

Value of your car today Value at time of loss Return to Value (RTV) Gap Insurance benefit

£6500 £3600 £2900

Value of your car today Value at time of loss Return to Value (RTV) Gap Insurance benefit

£14500 £9400 £5100

Value of your car today Value at time of loss Return to Value (RTV) Gap Insurance benefit

£22000 £11700 £10300

Return to Value (RTV) Gap Insurance pays YOU the depreciation IN FULL!

How Is My Car Valued?
Like all responsible insurers Click4Gap undertake to recognise the independent third party valuation of Glass's for accurate valuations.

The value of your car today is the Glass's Guide "mid" book value for a car of the same make, model specification level, age, book mileage and overall condition on the inception date.

The value of your car at time of loss is either the motor insurers settlement or, if greater, the Glass's Guide retail value for purchasing or replacing the car.

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
• Claims are handled by Click4gap (regulated by the Financial Services Authority)

You're buying direct from the Insurer...
Our experience in motor related insurance saves you money
No salesman commission
No broker 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 over 20 Years.

We've been online since 2006

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.

Now you are buying directly from the Insurer

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 took the decision to supply Gap Insurance to you directly instead of via the Motor Dealer.

Now you can pay wholesale prices.

• Cars owned for more than 3 months
• cars less than 7 years old when the policy is purchased (no age limit after start date)
• cars that have covered less than 80,000 miles when the policy is purchased (no mileage limit after start date)
• cars with a value of less than £50,000
• cars purchased privately or through a trade entity
• cars purchased any time in the last 7 years
• cars used for private or business purposes
• cars purchased using cash or a personal bank loan
• cars purchased using finance including but not limited to Motor Loan, PCP and Personal Bank Loan, contract hire or any style of leasing agreement

• Provides cover against financial loss where it's unsafe to repair the car, the cost of repair is greater than the pre-accident loss value, or the car has been stolen and not recovered and your motor insurer declares your car an insurance write-off/total loss
• Great cover for cars already owned
• Refunds depreciation
• Protects your investment
• Replace your car with one of similar value.
• Can pay you up to a maximum of £25,000
• There's no maximum mileage limit from the date of purchase
• Cover available for up to four years
• Cover can be purchased up to 7 years after taking ownership of the car
• 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
• The Gap policy holder doesn't need to be the registered keeper or even the comprehensive insurance policy holder, but they must be named on the motor insurance policy.
• 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 car does not have to be in your name
• Cover can be purchased for cars bought from private individuals or non vat registered garages.
• 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 car is effective at the Date of Loss

• The maximum benefit payable under this policy is £25,000
• You can't claim on Gap Insurance if your motor insurer gives the option to replace the car with a new one
• Gap Insurance cant be transferred to a different car or owner
• If the motor insurers offer of settlement is accepted without our agreement we may refuse to deal with your claim, grant no payment or calculate your claim using Glass's Guide value on date of loss
• If you don't notify us within 30 days of the date of loss, we may refuse to deal with your claim and grant no payment under this policy.

The Insurer will not pay for:

• vehicle excise license (vehicle tax disc)
• portable equipment such as satellite navigation equipment, entertainment equipment, mobile phones etc.
• VAT where you are VAT registered.
• any amount by which Glass's Guide retail value exceeds the motor insurance settlement at time of loss.
• optional extras or modifications that were not fitted by the manufacturer
• any claim if full and final settlement was not paid under the motor insurance

Please see "What is Not Covered" section of the policy for a complete list of exclusions

By paying an additional premium, you can also upgrade the cover to include our "Motor Insurance Excess Buster", which in the event of a valid claim, under Section 2 of Your policy will cover your motor insurance policy excess up to a maximum amount of £500. This benefit applies from 90 days after the inception date.

• Vans, car derived vans, commercial vehicles and motor cycles
• Cars fitted with non-manufacturer modifications such as engine modifications, up-rated brakes, roll cages, steering column extension. Please note that accessories such as alloy wheels, in-car entertainment, sat-nav, hands-free kit, roof rails, tow bar etc do not exclude your car from being insured under this policy
• Cars classified as category A, B, C, D, F or X total loss before the start of the policy
• Cars without a valid tax disc and, if the car is more than three years old, a valid MOT
• Business mileage, but business use does not exclude your car from being insured under this policy
• Cars 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 motor insurance, dealer fitted extras or motor insurance excess
• If the car 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. (Does not apply if the person driving is reported to the police for taking the car without your permission)
• invalid carriers, grey imports, any American make of vehicle unless manufactured as right hand drive for the UK market and cars not shown in Glass's Guide,
• The following manufacturers Aston Martin, Bentley, Bristol, Cosworth, De Tomaso, Dorchester, Ferrari, Ginetta, Lamborghini, Lancia, Maserati, Rolls-Royce
• Any total loss total where it is economical to repair the car to a safe and roadworthy condition

Please see "What is Not Covered" section of the policy for a complete list of exclusions

If after purchasing Gap Insurance you decide not to proceed, you have 21 days to cancel from the date you purchased Gap Insurance. We'll refund the premium paid in full. After this period if you wish to cancel your policy you will not be entitled to any refund of premium.

The policy automatically terminates when a claim is settled, or when you sell or dispose of the car. However, if you sell your car in the first 90 days, on your instructions the Gap Insurance can be transferred to a replacement car of the same value or less.

If the Insurer is unable to meet its liabilities your policy is covered by the Financial Services Compensation Scheme (FSCS). Further information about compensation scheme arrangements is available at www.fscs.org.uk, by emailing enquiries@fscs.org.uk or by phoning the FSCS on 0207 892 7300.

This gap insurance is delivered to you 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.

We have appointed Direct Group Limited to deal with all administrative matters relating to this policy, Direct Group Limited is also authorised and regulated by the Financial Services Authority, FSA registration No 307332.

The Insurer, Red Sands Insurance Company (Europe) Limited (Red Sands) is also authorised and regulated by the Financial Services Authority. Red Sands and is a member of the UK's Financial Services Compensation Scheme and the Association of British Insurers (ABI).