About Click4Gap

2022 Celebrates Our 18th Year Providing Online GAP Insurance
Since 2004, our underwriters, consultants and administrators have worked together to make Click4Group products respected as the original and best of their kind.

In business there's no finishing line, we continue to work to ensure our insurance backed GAP policies continue to deserve the trust of our thousands of policy holders past, present and future.

We will keep on delivering the very best high quality service and comprehensive cover that's affordable at purchase and reliable at point of claim.

Financial Strength - The Underwriter
Red Sands Insurance Company (Europe) Ltd. is an independent European insurance group offering a range of products and services operating across a number of market sectors.  Their success has been achieved by building relationships with business partners who are all experts in their respective fields.  The Click4Group value the unique experience and support offered by RSE to deliver some truly innovative products for the UK motor related insurance market.

With more than three million policy holders, and growing, Red Sands paid in excess of £125 million during the course of 2020 in claims.  An important measure of financial strength and why your policy is safe.

  • Member of A.B.I. The Association of British Insurers
  • Over 3 million policy holders
  • Protected by the FSCS (Financial Services Compensation Scheme)
  • Member of The Financial Ombudsman Service
  • Underwrite one of the UK's largest Mechanical Breakdown Vehicle Warranty Insurance books
  • Hold more than 209% Solvency Requirement
  • Paid more than £125 Million in claims to clients in 2020

Red Sands is authorised to operate in fifteen European countries, offering over fifteen classes of life and general insurance through ten carefully selected partners.  For further information about Red Sands please visit www.redsands.gi

Regulatory Information

We are directly authorised and regulated by the Financial Conduct Authority. You can check this on the FCA’s Register by visiting the Financial Conduct Authority website, which contains a link to a register of all regulated firms www.fca.org.uk.  The FCA can only give general information and cannot recommend the products of any company

  • Click4Warranty is a trading style of Future 45 Limited
  • Company registration number. 5407413
  • Data protection register number. Z933878X
  • Financial Conduct Authority (FCA) No. 461102
  • Member of the Financial Services Compensation Scheme (FSCS)

Click4GAP Trusted By Thousands Since 2004
The online Click4 brand was formed after two decades experience specialising in the GAP and warranty insurance sector offline.  Our goal was to design and deliver bespoke motor related insurance products direct to the policy holder, to bypass all third-parties and create lower premiums without compromising the comprehensive quality of our insured GAP policies.

Thanks to our returning customers and recommendations we avoid spending thousands on advertising and paying “partners” to promote out policies.  A cost that offers no benefit to our policy holders whatsoever!  In addition you are buying direct and avoiding dealer and broker commissions.

The unique relationship with our Underwriter allowed us to create a ground-breaking GAP Insurance that continues to meet our policy holders expectations at point of claim for a fraction of the cost the dealers and our fellow online providers can achieve.

Our UK based, friendly customer service team are here to help with any enquiries or concerns you may have. Either call us on 0208 819 3424 or use the free call back service.

Claims are safeguarded by the Financial Services Compensation Scheme, which is a statutory fund of last resort set up under the 2000 Financial Services and Markets Act to compensate customers of authorised financial services firms in the event of their insolvency  

Find Out More.

How we work
  • Our website is constantly updated to reflect the feedback we receive from our policyholders
  • The information provided is designed to be clear, fair and accurate so you can make informed decisions
  • Our mission is to ensure you can be confident the services and products we deliver meet your expectations.
  • If you prefer to speak to us directly, our UK based consultants are fully compliant and happy to assist you in selecting the right gap insurance to meet your needs
  • Our products are unique.
  • No third parties, you are buying directly
  • Unlike online brokers, our premiums are calculated by monitoring the claims fund in real time. They reflect the genuine cover and real benefits - they are not market driven bargain basement premiums

We are Working For You


    We accept there's ALWAYS room for improvement and your comments, good or bad, help us improve our products
      We're real people and never forget that without you, it would be impossible to become recognised as the UK’s leading GAP Insurance Specialist provider. 
        Thank you
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