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Which Gap Insurance is right for you?

There are various types of Gap Insurance available in the market, and it’s often difficult to decide which option would best suit your particular circumstances.

You paid cash for your car or paid a big deposit, or financed the cost

Combined Return to Invoice Gap Insurance will cover the difference between what you paid for your car when you bought it or the outstanding finance amount, and its market value at the time of the total loss, up to a maximum of £50,000, subject to the policy terms.

You took out a lease or contract hire agreement

Lease/Contract Hire Gap Insurance will pay the difference between the market value of your car at the time of the total loss, and the outstanding balance of the lease or contract hire agreement, subject to the policy terms, plus up to £2,500 towards your first three month’s cost of rental.

Click4Gap Gap cover gives you:

Cover from day one

Cover for personal and business travel

Cover for new cars and used cars

Cover when you’re travelling outside of the UK

Cover for the theft of your car with the keys

Cover for all your named drivers at no extra cost

Cover with no excess on claims

Cover for your car insurance excess up to £250

Here’s what our customers have to say…

Click here for many more Gap Insurance reviews

When you choose Gap Insurance from Click4Gap

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How will Gap Cover benefit you?

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 amount equivalent to the market value at the date of loss. This can leave you with a shortfall when it comes to replacing your car, or worse, having to continue to pay the finance contract deficit.

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 who’ve suffered the total loss of their car, it’s been a life saver!

How does Gap Insurance coverage work?

A car typically depreciates the moment it leaves the showroom, and continues to depreciate year after year.

Let’s say for example that you purchased a car then, a year or two later, it’s written off. Your 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 car, leased it, or took out a contract hire agreement, 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.

Your motor insurance will typically only cover your car’s value at the time of loss.

Select the tab that best indicates how you funded your vehicle to see what may need to be covered if it’s written off or stolen, and declared a total loss.

Market value at loss,
covered by your
motor insurer

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 £50,000, subject to the policy terms, plus up to £1,500 for dealer-fitted accessories and £250 towards your motor insurance excess.

What can you expect from Click4Gap cover?

Low premiums

Buying online, directly from Click4Gap, there’s no additional costs meaning you could make significant savings.

No hidden charges

We won’t charge you if you need to make an amendment to your policy at any stage during its lifetime.

30 day cooling off period

You have 30 days to decide if this cover is for you and, as long as you’ve made no claim during this time, your premium will be repaid in full.

Quick and easy claims settlement

Our experienced claims advisors will arrange for your claim to be paid out within days of it being registered, and we'll pay your claim directly to you!

No mileage limit once cover starts

There is no mileage limit once your policy starts, so you can drive as many miles as you like or need to, and continue to benefit from our full protection.

No obligation cancellations

If you decide to cancel at any stage after 30 days, you’ll be entitled to a pro-rata refund, less a small administration fee, as long as you haven’t made a claim.

When is Gap cover a good idea?

Gap Insurance is a valuable addition to your motor insurance cover, 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 paying for a replacement.

If your car was financed, or you took out a lease or contract hire agreement, this shortfall may well be significantly more. And, if you decided to finance with a balloon payment at the end of your contract period, you may well face serious financial difficulty.

For all of these situations, there’s a Click4Gap Gap Insurance solution that will cover the shortfall and ensure you won’t have to compromise when it comes to replacing your vehicle.

When shouldn’t you consider Gap Insurance?

If you’re fortunate enough not to be concerned about covering your car’s shortfall in the event of a total loss, then you might decide you don’t need to consider Gap Insurance.

If you’ve paid cash for your vehicle, or you paid cash with a substantial deposit, you may decide that you’ll cover the gap yourself, even though this could mean you’ll be out of pocket, and may well face a significant shortfall when it comes to replacing your vehicle.

If your motor insurer has offered you new-for-old cover during your car’s first year since registration, then car Gap Insurance during this period might not be required.


What are your options for Gap Insurance?

There are a few different types of policy you can choose from when taking out your Gap Insurance cover with Click4Gap, these depend largely on how you intend to fund the purchase of your vehicle.

Combined Return to Invoice Gap Insurance

If you paid cash for your vehicle, or paid a sizeable deposit, or if you financed it, Combined RTI Gap cover will pay out the shortfall between the cost of your vehicle and the market value at the point of claim, which is the amount your motor insurer will cover. This is cover that will protect you no matter if you use your vehicle for private use or for business.

Lease/Contract Hire Gap Insurance

If you leased your vehicle or it’s under a contract hire agreement, Lease/Contract Hire Gap Insurance will cover you for the shortfall on your lease agreement, after your motor insurer settlement. If, for any reason, you change your vehicle within the first 90 days from the start date, we will also arrange to transfer your cover to your new vehicle without hassle or charge.

What are some of the exclusions you should be aware of?

There are a few reasons that a policy may not provide cover, or a vehicle might not be eligible for cover. These include:

Can you take out Click4Gap Gap Insurance now?

If you have any questions, or would like any more information, please feel free to call us on

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