Frequently Asked Questions

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

GAP Insurance is designed to protect the depreciation of your car, should it be written off. This means that GAP insurance will only cover the cash value of your car, before any part exchange or deposit and after any discount given by the dealership.

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

We understand this can sometimes be confusing and we want to make things as easy as possible, so if you are unsure 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.

Even without a VAT invoice for your car, we are delighted to confirm that your car would still qualify for Return to Invoice (RTI) GAP Insurance, as long as you purchased your car within the last 90 days.

RTI will pay the difference between your motor insurer’s settlement and the purchase price of your car.

In the event of a claim, if you are not able to supply a copy of the purchase invoice then don’t worry. It is required that we check the value against an independent and accurate valuation service.

As with most motor insurers, we refer to Glasses Valuation service. For over 80 years, Glass’s Guide has been the industry’s leading vehicle valuation guide, for independent third party valuations. It allows us to get an accurate valuation of your car for when you purchased it.

Because Click4GAP and your motor insurer use the same independent valuation system, you can rely on the fact depreciation will have been monitored and recorded accurately and reliably. Another example of how Click4GAP protects the customer!


3 year code MOB12     4 year code MOB15