Great cover for new and ex-demonstrator cars
Click4Gap Vehicle Replacement Insurance (VRI) is available to you whether you paid cash or borrowed the money from a Bank or Finance House Loan.

Added Protection
If you paid for your car using a bank or finance house loan or simply paid cash, Vehicle Replacement Insurance (VRI) 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 price of a brand new car
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 invoice price (purchase value), what it was worth when you purchased GAP.

Now the good news, if this happens Click4Gap Vehicle Replacement Insurance (VRI) will pay the depreciation, plus the difference between the purchase value and the price we would pay for a brand new replacement car.... it's that simple! If you prefer, we can of course supply the car, but we find most of our customers choose to take the money leaving them free to spend all or just part of the money on their choice of replacement car.

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 loss or purchase value be called into question, we refer to the Glass's retail value.

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.
• The price of a brand new replacement car will be increasing year on year
• 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 the purchase value, what it was worth when you purchased GAP. In other words, your motor insurer doesn't pay the depreciation

Now the good news, if your car is a total loss, Click4Gap Vehicle Replacement Insurance (VRI) will pay the depreciation, plus the difference between the purchase value and the price we would pay for a brand new replacement car. If you prefer, we can of course supply the car, but we find most of our customers choose to take the money leaving them free to spend all or just part of the money on their choice of replacement car.

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 loss or purchase value be called into question, we refer to the Glass's retail value.

We're often asked what should be included in the purchase price of the car, here's a useful guide;

Do Include

• Factory fitted accessories if your car is new
• VAT unless you are vat registered

Don't Include

• Any discount
• warranty charges or insurance premiums
• vehicle excise license (vehicle tax disc)
• dealer fitted extras
• delivery charges

* 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 purchase and loss 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 there be any difference in the loss or purchase value, we refer to the Glass's retail value.

Available for cars up to three months old

• Suitable for new, ex-demonstrator and pre-registered cars
• Cover is available for 1, 2 or 3 years
• Refunds up to £25,000
• Gap policy holder doesn't need to be the registered keeper or motor insurance policy holder but they must be named on the motor insurance policy.

Covers cars up to...

• £50,000
• 500 miles at policy inception (no mileage limit after inception)
• 3 months old at policy inception

Available whether you paid by...

• Cash
• Motor Loan
• Personal Loan
• PCP

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

• Great cover for New and ex-demonstrator cars
• Pays the depreciation, plus the difference between the purchase value and the price we would pay for a brand new replacement car.
• If you prefer, we will supply the replacement brand new car.
• Protects your investment
• 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 three years
• Cover can be purchased up to 90 days 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
• 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 was originally worth!

This is where Vehicle Replacement Insurance (VRI) protects you. VRI GAP Insurance will pay the depreciation, plus the difference between the purchase value and the price we would pay for a brand new replacement car. If you prefer, we can of course supply the car, but we find most of our customers choose to take the money leaving them free to spend all or just part of the money on their choice of replacement car.

Invoice Price (purchase value) Value at time of loss Depreciation Cost of brand new replacement car	£14500 £9400 £5100 £16200
VRI benefit	£6,800
The depreciation, plus the difference between the purchase value and the price we would pay for a brand new replacement car.

How Is My Car Valued?
We're often asked what should be included in the purchase price of the car, here's a useful guide;

Do Include

• Factory fitted accessories if your car is new
• VAT unless you are vat registered

Don't Include

• Any discount
• warranty charges or insurance premiums
• vehicle excise license (vehicle tax disc)
• dealer fitted extras
• delivery charges

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 purchase and loss 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 there be any difference in the loss or purchase value, we refer to the Glass's retail value.

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 Direct Group (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.

• New, ex-demonstrator and pre-registered cars up to three months old at the inception date
• cars that have covered less than 500 miles at time of purchase of the car
• cars purchased any time in the last 90 days
• cars used for private or business purposes
• cars purchased using cash or a personal bank loan, purchased by means of finance including but not limited to ?motor loan' and ?personal contract purchase', ?contract hire' or any style of leasing agreement
• cars with a vehicle value of less than £50,000

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

• Great cover for New and ex-demonstrator cars
• pays the depreciation, plus the difference between the purchase value and the price we would pay for a brand new replacement car.
• If you prefer, we will supply the replacement brand new car.
• Cover is available for up to three years
• The Gap policy holder doesn't need to be the registered keeper or the comprehensive insurance policy holder but they must be named on the motor insurance policy.
• 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 can be purchased up to 90 days 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
• 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 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 amount We will pay under this policy is £25,000;
• You cant claim under this insurance if you have the option to replace the car with a new one under the motor insurance policy;
• The policy cannot be transferred to a different car or owner.

The Insurer will not pay for any of the following:

• portable equipment such as satellite navigation equipment, entertainment equipment, mobile phones etc.
• optional extras or modifications that were not fitted by the manufacturer of your car;
• any discount given to you by the seller;
• any warranty charges or insurance premiums;
• vehicle excise license (vehicle tax disc);
• VAT where you are VAT registered.

We may at our discretion take any steps in your name against any person including but not limited to the comprehensive motor insurance insurer to recover any money we pay in settlement of your claim. You must give us all assistance necessary. We may also at our option take over negotiations with the comprehensive motor insurance insurer with respect to your total loss claim.

• If you accept an offer of settlement in respect of a total loss from the comprehensive motor insurance insurer without our express agreement we may at our option refuse to deal with your claim, grant no payment under this policy, or calculate your claim using the loss value
• If the car is classified as Category C, D, F or X total loss after the inception date, any claim will be adjusted to reflect a reduction of the purchase value as determined by us.
• If you do not notify us within 30 days of the date of loss then we may at our option refuse to deal with your claim and grant no payment under this policy.
• If you decline the offer of a replacement car under the comprehensive motor insurance policy then we will settle the claim based on the value of the replacement car and not the settlement amount offered under the comprehensive motor insurance policy.
• If a replacement vehicle matching the make, model and specification of the vehicle at the inception date is not in production or available at the time of total loss we will pay to you the difference, up to the claim limit, between the loss value and the vehicle value adjusted for changes caused by inflation and other market forces.
• We may at our option source a replacement vehicle of equivalent make, model and specification at the inception date.
• Any staff, employee or group discounts deducted from the purchase prices will be deducted from the settlement of this policy.

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.

• Cars that have covered more than 500 miles at the start of the policy
• 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
• In the unlikely event the loss or purchase value is called into question, we will refer to Glass's Guide retail value. If you purchased your car privately or from a motor dealer not registered for vat, we will refer to Glass's trade value plus 5% at time of purchase.
• 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).