Frequently Asked Questions

Vehicle Replacement Gap (VRI) is suitable for

If your car is declared a total loss, Vehicle Replacement Insurance (VRI) pays the difference between the motor insurer’s settlement and the cost of a brand new car matching the original specification.

VRI is suitable for brand new, ex-demonstrator and pre-registered cars, that are less than 3 months old at policy inception and you have 3 months from the delivery date to purchase VRI. The car can be used for private or business purposes.

The car can be purchased using cash or using finance, including but not limited to motor loan, PCP and personal bank loan. Unfortunately, VRI cover is not available if the car was purchased on a contract hire or lease agreement.

The purchased price can be up to £50,000 and with a mileage of less than 500 miles at delivery. A Click4GAP VRI policy can be purchased for a term length of up to 3 years, and with a claim limit of up to £25,000. Your VRI claim settlement is paid directly to you, not the dealer or your finance company.

All Click4GAP policies cover all factory fitted optional extras, have no excess to pay for a valid claim and also cover all named drivers on your comprehensive motor insurance policy.


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