Frequently Asked Questions
Gap Insurance provides you with vital protection against your car depreciation from the date you bought it, to the date of its total loss.
Your motor insurer will generally pay-out an amount corresponding to its market value on the date of loss. This may well result in you facing a considerable deficit when you want to replace your car, or even worse, having to settle the outstanding balance on your finance contract.
Your Gap cover will deal with this shortfall, leaving you to get on with your life… and for the many thousands policy holders with Gap Insurance who’ve suffered such a loss, it’s been a welcome financial support.
All cars depreciate the moment they leave the showroom, and they continue to depreciate each year after, particularly over the first 3 years, when as much as 60% its value might be lost.
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Possible shortfall amount,
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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.
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 the purchase value of your car when you bought it or the outstanding finance amount, and it’s market value at the time of the total loss.
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.
Gap cover is a valuable supplement to motor insurance cover, especially if you’re concerned about your car’s depreciation… and, if it’s a total loss, how you would cover this shortfall when it comes to buying another one.
If your took out a finance agreement for your car, or if you took out a lease or a contract hire agreement, this shortfall could very well be substantially more. And, if you decided to finance your car with a balloon payment at the end of the contract, you could find yourself facing major financial stress.
Click4Gap Gap has an Insurance solution for each of these situations, that will cover the shortfall and ensure you won’t have to compromise when it comes to replacing your vehicle.
- If you’re privileged and not concerned about having to pay for your car’s shortfall in the event of a total loss, then you might could decide not to take out Gap Insurance.
- If you’ve paid cash for your vehicle, or you put down a substantial deposit, you could decide that you’ll take the risk and cover the gap yourself, even this means you could be out of pocket and face covering a significant shortfall to replace your vehicle.
- If you selected new-for-old cover on when taking out insurance during your car’s first year after registration, then you may feel that car Gap Insurance isn’t necessary.
There are 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 (RTI) 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 cover will protect you whether 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.
There are a few exclusions mean a policy may not give cover, or a car may not be eligible for cover. These include:
- If you paid cash or financed your purchase, and the vehicle is more than seven years old, has travelled over 80,000 miles, or does not appear in Glass’s Guide, or is valued at more than £75,000, it will not be considered for cover.
- If you took out a lease or contract hire agreement, and the vehicle is more than ten years old, has travelled over 80,000 miles, or does not appear in Glass’s Guide, or your monthly rental payment is more than £2,000 per month, it will not be considered for cover.
- We do not cover any commercial vehicles or vehicles designed to carry more than eight people.
- If your vehicle is not covered by a comprehensive motor insurance policy, or the driver of your vehicle at the time of the loss is not listed as a named driver on this motor insurance policy, any claim you make will not be valid.
- Your policy will not provide cover if the driver of your vehicle at the time of loss does not hold a valid driving license, or is intoxicated, or is under the influence of non-prescription drugs.
Buying online, directly from Click4Gap, there’s no additional costs, meaning big savings on your car Gap coverage.
30 day cooling off period
You have 30 days to decide if this cover is for you and, so long as you’ve made no claim in this period, your premium will be repaid in full.
No mileage limit once cover starts
There is no mileage limit once your Gap cover starts, so you can drive as many miles as you like and continue to benefit from full protection.
No hidden charges
We won’t charge if you need to make an amendment to your policy at any stage during its lifetime.
Quick and easy claims settlement
Our experienced claims advisors will arrange for your claim to be paid out within days of it being registered.
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
If you’re looking to protect yourself and your vehicle with a solid Gap Insurance product that’s built to suit your needs, Click4Gap Gap cover gives you the assurance that you’ll be financially protected and supported should the worst happen and your car’s declared a total loss.
With our years of solid underwriting experience and prominence in the market, Click4Gap offers Gap cover direct to the public, giving you big savings over similar dealer offerings.
Our UK-based Customer Service team are on the phone waiting to assist you on 0208 819 3424 during office hours, and via email, or our online Live Chat. You can be confident they will take the time to understand your needs and explain clearly what is needed.
Call us Monday – Friday, 9am to 5pm
Email us anytime we’ll get back to you during office hours
Gap Insurance will protect you against financial risk if your car is stolen or written off, and declared a total loss.
Hundreds of cars are written off or stolen every day in the UK, think about whether this is a risk you’re equipped to take. For instance, if this happens to you, you could find yourself facing a huge bill for the cost of replacing your car, or if you bought it through a finance contract, lease or contract hire agreement, paying back the balance of the finance and interest.
That’s where your Click4Gap Gap cover comes in, by settling the shortfall between what your motor insurer is prepared to pay and the purchase value of your car when you bought it, or the outstanding balance on your finance contract if you financed it, or bought it through a lease or contract hire agreement, leaving you free of this financial burden.
Your motor insurance policy will only settle the market value of the car at the time of loss. This does not take into consideration any depreciation that has taken place since you bought it.
Consider for a moment that the average car in the UK loses up to 40% of its value in the first year, and up to 60% after 3 years, this could leave a significant difference between the purchase value of your car when you bought it, and its market value at the time of loss. The gap could be even bigger if you financed your car, or bought it using a lease or contract hire agreement, and the outstanding finance includes interest and other charges.
Click4Gap Gap Insurance will cover the shortfall, paying the difference between your car’s market value at the time of loss, and what you paid for your car, or the outstanding balance on your finance, lease or contract hire agreement.
When you consider that cars can depreciate by up to 40% in the first year, and by as much as 60% by the 3rd year, the financial impact if it’s stolen or written off is potentially huge… something most of us wouldn’t want to face.
Gap cover will protect you against that loss, by covering the difference between what your motor insurer is prepared to pay and the purchase value of your car when you bought it, or if it was financed, the outstanding finance amount … leaving you free to get on with your life.
Your Gap Insurance should be taken out within the first 90 days after buying your car. However, there’s no age limit or mileage limit, after the policy start date.
Return to Invoice (RTI) Gap Insurance was designed specifically with this in mind, covering the difference between the market value of your car at the time of loss and your outstanding finance amount.
Our Lease/Contract Hire Gap Insurance cover was designed specifically for vehicles bought through these means. Click here for more information.
The sooner you’re covered by one of our Gap Insurance cover options, the sooner you can relax and enjoy your driving experience.
Getting a quote from us is quick and easy, and your cover will start from the moment you take out your policy.
A few simple steps is all it takes to get the immediate comfort of Gap cover.
If you have any questions, or would like any more information, please feel free to call us on
You can pay via our secure payment system using any major credit or debit card, with no extra charge. Or, if you prefer, you can spread the cost by paying just 20% deposit when you take the policy out, followed by 9 convenient, monthly payments.
If you choose to pay monthly, there’s no credit check required, no direct debit, no credit agreement and no change in premium if interest rates increase.
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Or click here for more information
If you decide, within the first 30 days of purchasing your policy, that you want to transfer your cover to another vehicle, or during the first year of cover, your vehicle is written off by your motor insurer and you get a replacement vehicle on a “New for Old” basis, you will be issued with a new policy. Please contact Customer Service to transfer the remaining duration of the policy.
Please note that the policy only applies to you and is not transferable to any other person or business.
Provided that the driver is licenced and a named driver on your motor insurance, you will be protected by your Gap cover.
For Combined RTI Gap Insurance, your car can be aged up to 7 years when you take out your policy however, there is no upper age limit after your cover starts.
For Lease/Contract Hire Gap Insurance, your car can be aged up to 10 years, with no age limit applicable after cover starts.
Your Click4Gap Gap Insurance covers you in the UK, Northern Ireland, the Isle of Man, the Channel Islands, member countries of the European Community and any other country where an International Motor Insurance Green Card for your car is effective at the time of loss.
You are covered outside of the UK for up to 90 days a year.
You can get a quote for Gap Insurance in just moments on this website. Just answer a few simple questions, and we’ll give you a quote instantly. You can accept there and then, and your cover will start as soon as your premium is received.
Or, if you want more information, just call us on 0208 819 3424, or use the chat link on the bottom right and we’ll be happy to assist during office hours.
Your vehicle purchase value should be based on the actual price you paid, after any discount has been deducted, and, provided they’re detailed on your purchase invoice, can include:
- Any deposit you paid, or the value of any part exchange
- Dealer-fitted, manufacturer approved extras to the value of £1,500
- Any VAT that you paid
When you advise us of the purchase value of your vehicle, you should deduct the following from the actual price you paid:
- Any finance charges, such as interest
- Any negative equity from a previous loan
- Dealer administration fees, and any delivery charges
- Any fuel you were charged for
- Your road fund license costs
- Your first registration fee, if applicable
- The premiums for any paintwork, warranty, insurance or service plans
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The policy terms for your Click4Gap Gap cover is available at the link below. It will provide all the information you need however, if you have any questions, our UK-based consultants are on hand to help you during office hours.
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Combined RTI Gap Insurance
Lease/Contract Hire Gap Insurance
Our UK-based consultants are on hand and happy to assist you during office hours.
Call us to find out more on
As long as you are the owner of the vehicle, or the finance agreement is in your name, or a named driver on your motor insurance policy was driving at the time of the loss, any valid claim will be covered, regardless of who was to blame.
Your car will be declared a total Loss when it’s either stolen and not recovered, or damaged in an accident, flood or fire, and your motor insurer decides that it’s uneconomical to repair.
There no excess payable on your Gap Insurance policy, and in addition, we also cover up to £250 motor insurance excess when your vehicle is declared a total loss.
As soon as you complete your application and make payment, your policy documents will be emailed to you at the address you provided.
You can easily cancel with a full premium refund during the first 30 days after you take out your policy, so long as you’ve not made a claim, or don’t intend making one. If you decide after the 30 days that you’d like to cancel, you will receive a pro rata premium refund.
To ensure your claim experience is quick and hassle-free, we have appointed specialist claims managers, AutoProtect (MBI) Ltd. To register a claim, please follow one of these processes:
- Visit www.apapp.co.uk and follow the steps to start your claim
- Download the AutoProtect App on your smartphone by searching “AutoProtect GAP”.
- Text the word APAPP to 88802 and you’ll receive a download link via SMS (texts are charged at your standard network rate).
For more information, please click here.
Please be sure to contact us as soon as possible to avoid any unnecessary delays in settling your Gap cover claim.
Motor Insurers often make a low initial offer of settlement and many of us are not adequately qualified to negotiate this. If you let us know quicky, we will negotiate on your behalf and ensure your settlement reflects the true value of your car at the time of loss, to avoid you being out of pocket.
Your motor insurer will pay out your claim based on the market value of your car at the time of loss. This could be substantially less that what you paid for it, and if you financed your car, this amount will be even more with the addition of interest charges. So, if your car is written off and you have no Gap cover, you could be left with a significant shortfall that leaves you unable to easily replace your car.
If you have Gap cover though, this shortfall will be covered and you’ll be protected from a negative financial outcome.
If your car is stolen, and the keys were taken from a secure place like your home or your office, you’ll still be covered. However, if the keys are left in the car unsupervised, then your motor insurer would not declare the vehicle a total loss, and there would be no Gap Insurance claim.
Your Click4Gap Gap Insurance settlement will be made directly to you, and not to the dealer or the lender.
Click4Gap pays all valid claims however, there are a few circumstances in which a claim will not be considered valid:
- If an uninsured person was allowed to drive the car
- The driver was under the influence of non-prescription drugs or alcohol
- The car was being used for illegal activity
- Instances of fraud or wilful negligence
Your policy document details the full list of exclusions.
Combined RTI Gap Insurance
Lease/Contract Hire Gap Insurance
Red Sands Insurance Company (Europe) Limited who are registered in Gibraltar (87598) and are licenced by the Gibraltar Financial Services Commission are the insurers of your policy.
The Click4Gap monthly payment plan allows you to spread the cost of you cover. On taking out your policy, you’ll pay a 20% deposit, and then the balance of your premium is spread over 9 convenient, monthly payments. Each monthly payment will be applied to the credit/debit card used to pay your deposit, and an 8% transaction fee applies.
This is not a credit agreement and we will not search the information a credit reference agency holds about you, and your payment will not be subject to any interest rate changes made by the Bank of England.
The monthly payment amount, transaction fee and number of monthly payments you will have to pay are shown at the time of purchase, in your Policy Schedule under Payment Options.
Each monthly payment will be deducted from your assigned card on the 1st day of the month starting from the 1st day of the month following the date the policy was purchased. You do not need to schedule payment, plan payments or make a manual payment on the payment date.