How Do I Actually Claim on My GAP Insurance?

One of the first things that you should do in the event of your car being declared a total loss is to contact your GAP provider and get the contact details of the administrator. These should already be provided in your policy documentation but if you need to make a claim and you can't find the number that you need to call then you should always be able to ask the company that sold you the policy. In the case of Click4Gap, our administrator is Direct Group Limited and they can be contacted on 0844 412 4272.
It is important that you call the administrator at the earliest possible opportunity and within a maximum window of 30 days from the date of loss. If you wait any longer than this, then it is highly likely that you could lose out on the full worth of your GAP insurance payout.
When it comes to GAP Insurance, the one thing you must never do if you are covered by a policy is accept an offer of settlement from your insurer without the consent of your GAP underwriter as this may seriously undermine the amount of compensation that you will get. The reason for this is that there are many comprehensive motor insurance providers who will try to get you to settle for less than you deserve. In most cases they are fully aware that you might not be sure of your full rights and may try to take advantage of this.
If the market value of your car at the time of “total loss” is £14,000 and you accept an offer of £10,000 then it is unreasonable to expect your GAP Car Insurance provider to pay the difference between the full amount that you paid on the invoice and the “below market value” offer that you have accepted from your comprehensive insurance provider without consulting the administrator.
Although your comprehensive motor insurance provider may try to get you to settle for less than you should be getting, it is worth bearing in mind that the only time that you are likely to miss out on the full amount of GAP Protection that you are entitled to is if you do not follow the correct claim procedure.
Your GAP Car Insurance provider is usually willing to work on your behalf to ensure that you get the maximum amount of benefit that your policy is worth. Here at Click4Gap we are with you from purchase to claim and happy to lend our expertise in the event of a claim. Just remember it is always within your best interests to act in strict accordance with the guidelines that they provide. This will enable them to deal with your motor insurer provider directly and help you avoid any unnecessary and costly complications that could stand in the way of a maximum payout.
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