Frequently Asked Questions

Why are your premiums so low and a fraction of the price my dealer quoted?

More often than not, you will find that premiums online for GAP Insurance will be a lot cheaper than those quoted by a dealer.

Put simply, this is because you are buying direct. Think of it as paying wholesale prices. There are many reasons why this keeps premiums low for online providers.

At a dealership, they often charge Insurance Premium Tax (IPT) at the same rate as VAT, which is 20%. But when you buy direct from an online provider, the IPT is charged at only 12%.

Also, with Click4GAP you don’t pay all the middle men – brokers, IT Companies, web-site owners, sales commissions etc. All you are paying for is our GAP Insurance.

At Click4GAP you can rest assured that you are not sacrificing service or quality of cover. Since 2004, our underwriters, consultants and administrators have worked together to make Click4Group products respected as the original and best of their kind..

We remain the first choice UK GAP Insurance trusted by thousands of car owners.  The Financial Strength of the Underwriter, Red Sands Insurance Company (Europe) Ltd. has been achieved by building relationships with business partners who are all experts in their respective fields. The Click4Group value the unique experience and support offered by RSE to deliver some truly innovative products for the UK motor related insurance market.

With more than three million policy holders, and growing, Red Sands paid in excess of £125million during the course of 2020 in claims. An important measure of financial strength.

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