Frequently Asked Questions

Do Click4Gap settle any outstanding finance?

If your car is in an accident and written off or is stolen, not recovered and declared a total loss, then your motor insurer will pay you the market value of your car on the day of the incident. Your Click4GAP policy will then pay the difference between your motor insurer settlement, and the invoice price of your car when the policy was purchased.

All of our policies will pay the settlement directly to you, not the dealer or finance company. This means you can then use the settlement money for anything you like. You can use it to settle any outstanding finance not paid by your motor insurer, put it towards your next car or even go on holiday!

When calculating the invoice price there are a few things that should not be included. These include insurance products, any dealer extras (for example audio equipment, alloy wheel etc), finance charges, road fund licence, administration fees and paint protection.

We understand this can sometimes be confusing and we want to make things as simple as possible, so if you are not sure whether to include something in the invoice price, just send us an email or call us and we’ll be happy to talk you through it.

This is your benefit and, unlike your motor insurer or dealer GAP policy, you choose how to use it.

Just another example of how Click4GAP benefits the policy holder!


3 year code MOB12     4 year code MOB15