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Frequently Asked Questions

Am I covered if my car is stolen “with” the keys?

Business Use

Am I protected from day one?

Are there mileage restrictions?

Are there times where GAP insurance doesn't pay out?

How fast will my claim be paid

Can I cancel my policy?

Complaints Handled by the Financial Ombudsman Service

Do Click4Gap settle any outstanding finance?

Do I have a cooling off period?

Do you charge for policy amendments?

Do you cover learner drivers?

Do you cover named drivers?

Do you refund the tax disc (road fund licence) in the event of a Total Loss?

FCA Authorised and Regulated

Financial Services Compensation Scheme (FSCS)

How can I be sure your policy will pay a valid claim?

How can I pay for my policy?

How do I make a claim?

How quickly do I get my documents?

How quickly must I buy GAP Insurance?

I bought my car from a private individual, can I still have GAP insurance?

I don’t have an invoice for my car; can I still purchase Gap Insurance?

I’m going to put a private plate on my car

Is my car covered for GAP Insurance if I take it abroad?

Is the amount quoted a one off payment or an annual premium?

Is there anything I shouldn’t include in the invoice price?

My comprehensive motor insurance includes new for old cover, should I still buy RTI or VRI Gap rather than wait until after the first year?

My dealer says the cover online isn't as good as theirs and I will have problems if I need to claim!

My motor insurance has “new for old cover”, can I defer the start of a GAP policy for the first year?

Return To Invoice Gap Insurance is suitable for

Vehicle Replacement Gap (VRI) is suitable for

What cars are excluded?

What claim limit should I choose?

What is a claim limit?

What is Return To Invoice GAP (RTI)?

What is the claim excess?

What is the invoice price and which figure do I use?

What is Vehicle Replacement Gap (VRI)?

Where are you based and who is the Insurer?

Where can I find the Policy Terms

Which policy should I buy if my car was paid for in cash?

Which policy should I buy if my car is under a contract hire or leasing agreement?

Which policy should I buy if my car was purchased on finance?

Which policy should I buy if my car was purchased using a personal loan?

Whose name do I put the Gap Insurance in?

Why are your premiums so low and a fraction of the price my dealer quoted?

Why do I need GAP Insurance?