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Frequently Asked Questions

Where are you based and who is the Insurer?

Our “non-commission” consultants are located in, Surrey and happy to answer any questions you may have.

Direct Group are our appointed administrator and are responsible for the management of claims and effecting policy amendments. They combine technology with over 20 years insurance experience to manage GAP insurance claims. They can be contacted on 0844 412 4272.

Red Sands Insurance Company (Europe) LTD are the insurer and policy underwriter. They are an independent European insurance group that operates across a number of different market sectors. They offer a diverse range of products and services and are a specialist in UK motor related insurance products.

Red Sands are a member of The Association of British Insurers (A.B.I.) and a voluntary member of the Financial Ombudsman Scheme. We are European Regulated and hold more than 150% of the EU Solvency Requirement. We also underwrite one of the UK’s largest Mechanical Breakdown Insurance books and paid more than £67 Million in claims to clients in 2016

We are authorised and regulated by the FCA. Our FCA number is 461102. You can check this on the FCA’s register by contacting the FCA on 0800 111 6768 or visiting the FCA’s website www.fca.org.uk/register. Click4GAP is a trading style of Future45 Ltd.

The FCA was set up by Government as an independent regulator, which looks after the financial services industry and protects consumers.

As Click4GAP is FCA regulated, your policy is also protected by the Financial Services compensation Scheme (FSCS). The FSCS is the UK’s legislative compensation scheme for customers of authorised financial services firms. The FSCS provides compensation to customers if a company ceases trading and is unable, or unlikely to be able, to pay claims against it.




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