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.

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, 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 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 less than £10,000 or more than £150,000, 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.

Low premiums

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

0208 819 3424

Email us anytime we’ll get back to you during office hours

send us an email

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, 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, 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,  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 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 180 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.

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.

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.

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 8 years when you take out your policy however, there is no upper age limit after your 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

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. 

Combined RTI Gap Insurance

Combined RTI Gap Insurance Policy Wording

Our UK-based consultants are on hand and happy to assist you during office hours.