Login£11,200
Market value at loss,
covered by your
motor insurer
covered by your
motor insurer
£5,300
Possible shortfall amount,
for your account
…with Click4Gap cover for your car within 180 days of the purchase date!
Your recently purchased vehicle is likely a cause for celebration with the family… and no doubt one of your biggest investments. Just think what might happen if it was stolen and not recovered, or written off as the result of an accident, whether it’s your fault or someone else’s. What would this mean to your pocket and how will this impact your life?
The likelihood is that your motor insurer will decide it’s a total loss and pay out your vehicle’s value on the date of loss. But this doesn’t take into account any depreciation in its value, or interest and early settlement fees if you took out a finance agreement that you’re forced to terminate prematurely. However you bought it, you could find yourself having to foot a bill of thousands… and that include the cost of replacing the vehicle.
The good news is that if you take out Gap Insurance cover from Click4Gap, you’ll have a shortfall of up to £75,000 covered, plus up to £1,500 for dealer-fitted accessories.
Ensuring your car is protected with Gap Insurance can offer a sense of financial peace of mind, however, it’s crucial to approach your decision with care and knowledge. Here’s a helpful checklist to guide you through the complexities of Gap cover to ensure you make an informed choice that aligns with your needs and budget.
Your Gap cover from Click4Gap will protect your vehicle for:
A vehicle typically depreciates the moment it leaves the showroom and continues to depreciate year after year.
Let’s say for example that you purchased a vehicle then, a year or two later, it’s written off. Your comprehensive motor insurer will pay a settlement amount equivalent to the market value on the day it was written off. That means you could well be out of pocket by a significant amount… and if you financed your vehicle your outstanding balance could be even more when you take early settlement costs and interest into account.
If you had Gap Insurance however, this amount would be covered, subject to the policy terms, and you’d be left free of this debt to look for a replacement. Have a look at the illustrative examples below to see how this could impact you.
Select the tab below that indicates how you funded your vehicle to see what shortfall you may need to cover if your vehicle is written off or stolen and declared a total loss.
Possible shortfall amount,
for your account
If you paid £16,500 cash for your car and a year or so later it’s declared a total loss, after your motor insurance pay-out you could have a shortfall of as much as £5,300. If you have Gap Insurance, this shortfall would be covered in total up to an amount of £75,000, subject to the policy terms, plus up to £1,500 for dealer-fitted accessories and £500 towards your motor insurance excess.
APG Cover Combined Gap Insurance Plus will cover up to £75,000, to make up the shortfall between what your motor insurer will pay, which is the market value at the time of loss, and your vehicle’s value when you bought it, subject to the terms of your policy. In addition you’ll have up to £1,500 dealer-fitted accessories covered too.
APG Cover Combined Gap Insurance Plus will cover the outstanding balance on your finance account, or the shortfall between what your motor insurer will pay, which is the market value at the time of loss, and your vehicle’s value when you bought it, whichever is the greater, subject to the terms of your policy.
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From policy design and website content, to customer service and administering your claim, we’re committed to the principles of treating you fairly. We want you to have clear and transparent information, with facts delivered to you so you’re empowered to make your buying decision based on what is right for, you while knowing our policies deliver on their promises.
Gap Insurance is a valuable addition to your motor insurance coverage, especially if you’re concerned about how much your car might depreciate after you buy it… and, if it’s a total loss, how you would cover this shortfall as well as pay for a replacement? So, it’s especially important to secure cover quickly and easily…
As long as your car was purchased no more than 180 days ago, and it’s still under 8 years old with less than 80,000 miles travelled, you can take out cover immediately, and you’ll be covered from the moment your premium is received… with no age or mileage limits once your cover starts.
There are a few vehicle makes that are excluded from cover, but in the main, that’s it.
There are no prior requirements. We don’t ask for a pre-inspection and there’s no waiting period.
Your cover will start from day one, as soon as your premium is received. You’ll have cover for the shortfall up to your vehicle value at claim stage, to a maximum of £75,000, plus up to £1,500 for dealer-fitted accessories and £500 towards your motor insurance excess.
Gap Insurance provides you with essential protection against your car depreciating between the time you bought it and when it is stolen or damaged beyond repair.
Your motor insurance will typically pay a settlement equivalent to the market value at the date of loss. This can leave you with a shortfall when replacing your car.
Gap Insurance is designed to cover this shortfall to ensure you’re not left out of pocket… and for the many thousands of Click4Gap policy holders, it’s been a life saver!
When you buy online, directly from Click4Gap, there are no additional costs, meaning you could make significant savings.
We won’t charge you if you need to make an amendment to your policy at any stage during its lifetime.
You have 30 days to decide if this cover is for you and, as long as you’ve made no claim, your premium will be repaid in full.
Our experienced claims advisors will arrange for your claim to be paid out within days of it being registered, directly to you!
There is no age or mileage limits once your policy starts, so you continue to benefit from our full protection.
If you cancel after the 30 day cooling off period, you’ll be entitled to a pro-rata refund, less a small administration fee.
More answers to your questions
© 2025 CLICK4GAP
CLICK4GROUP Is a trading name of Future45 Limited.
Future 45 Limited are authorised and regulated by the Financial Conduct Authority for Consumer Credit activities and General Insurance activities , our Firm reference number is ( FRN ) 461102.
You can check this on the FCA Register by visiting www.fca.org.uk
Future 45, Warwick House, Roydon Road, Harlow, Essex CM19 5DY
Company Registered No. 5407413
Data Protection No. 933878X
© 2004 – 2025 Click4Gap
Vehicles eligible for cover by C4G Cover Combined RTI Gap Insurance Plus
The following vehicle makes no more than 7 seats: Abarth, Alfa Romeo, Audi, BMW, Citroën, Cupra, Dacia, DS, Fiat, Ford, Genesis, Honda, Hyundai, Infiniti, Jaguar, Jeep, Kia, Land Rover, Lexus, Maserati, Mazda, Mercedes-Benz, MG, Mini, Mitsubishi, Nissan, Opel/Vauxhall, Peugeot, Polestar, Porsche, Renault, Seat, Skoda, Smart, SsangYong, Subaru, Suzuki, Tesla, Toyota, Volkswagen, Volvo.
