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Click4Gap’s expertise and experience in Gap Insurance
If you’re looking to protect yourself and your finances with a solid Gap Insurance product that’s built to suit your needs, Click4Gap, as specialists in our field, gives you the assurance that you’ll be covered and supported should the worst happen and your car’s declared a total loss.
With our long history, solid underwriting experience and prominence in the market Click4Gap offers Gap Insurance direct to the public with big savings on premium over similar dealer offerings.
Our UK-based team of product experts are on hand and ready to assist you during office hours via email, live chat and on the phone. You can be confident they will take the time to understand your needs and explain clearly what is needed. Contact us at either of the links below.
Call us Monday – Friday, 9am to 5pm
Email us anytime we’ll get back to you during office hours
We’re committed to treating our customers fairly
From the design of our policies and the information provided on our website, to our customer service and administration of your claim, we are committed to the principles of treating you fairly and honestly.
We want you to have clear and transparent information to empower you to make the best buying decision, based on what is right for you, while at the same time being safe in the knowledge that our policies consistently deliver on their promises.
The Financial Conduct Authority (FCA) regulates firms providing financial and insurance services to consumers and maintains the integrity of the UK’s financial markets focusing on the regulation of conduct.
Click4Gap is a trading style of Future 45 Limited, who is directly authorised and regulated by the Financial Conduct Authority (FCA).
Financial Conduct Authority (FCA) No. 461102
Future 45 Limited, is a UK company that is part of the AutoProtect Group.
Company Registration No. 5407413
Data Protection Register No. Z933878X
Address: Warwick House, Roydon Road, Harlow, Essex CM19 5DY
Tel: 0208 819 3424
Your policy is underwritten by Red Sands Insurance Company (Europe) Ltd., the independent European insurance group offering a comprehensive range of products and services across a number of market sectors, and delivering some truly innovative products for the UK motor-related insurance market.
With more than three million policy holders, Red Sands paid in excess of £160 million in claims during the last 12 month’s reporting period. An important measure of financial strength and the reason your policy is safe.
The real test of our commitment is when you claim.
We have appointed award winning claims management specialists, AutoProtect (MBI) Ltd., to ensure your claim is handled efficiently by qualified and experienced professionals, to keep the process as stress free as possible and, most importantly, settle your claim very quickly.
The Financial Ombudsman Service (FOS) was appointed by the Financial Services and Markets Act 2000 to help settle disputes between consumers and UK-based businesses providing financial services. The service is provided free of charge to consumers.
The FOS makes its decisions based on what it believes is fair and reasonable in the particular circumstances of each individual case. The law requires the ombudsman to take into account: relevant law and regulations; regulator’s rules, guidance and standards; codes of practice; and (where appropriate) what it considers to have been good industry practice at the relevant time.
The Financial Services Compensation Scheme (FSCS) pays compensation when a firm is unable, or likely to be unable to pay the claims made against it. It’s an independent body set up under the Financial Services and Markets Act 2000 (FSMA).
FSCS is a free service to consumers, and since 2001 has helped more than 4.5 million people, and paid out more than £26 billion.
Reasons to choose Click4Gap
Our promise of good service
The provision of Insurance is a regulated financial service so you benefit from the protection of the Financial Ombudsman Service (FOS).
This means if you’re unhappy with the service you receive, and remain so after we complete our complaints procedure, FOS are there to resolve the complaint in a fair, impartial way and to enforce their decision as to how we must rectify the situation.
Let us know of your concerns
Tell us about the issue and we’ll do all we can to resolve the problem:
We treat any dissatisfaction with our service with concern. We listen to your comments, treat them seriously, and learn from them so we can improve our service.
If your concern relates to a claim, the policy Administrator: AutoProtect (MBI) Limited, will investigate and reply to you directly. You can contact them:
Phone: 01279 456 501 (option 1)
Write to: AutoProtect (MBI) Limited, Warwick House, Roydon Road, Harlow, Essex CM19 5DY
If your concern is about our website, the purchase of your policy, or the policy terms, please contact:
Phone: 0208 819 3424
Write to: Click4Gap, Business & Technology Centre, Bessemer Drive, Stevenage, Hertfordshire SG1 2DX
We’ll always work hard to resolve your concerns as quickly as possible. We’ll retrieve all the relevant information and review it together with your comments. We’ll also consider any relevant guidance published by the Financial Conduct Authority, the Financial Ombudsman Service and any other relevant regulatory guidance previously published.
We’ll confirm with you, no later than the end of the next business day, who is handling you concern and provide full details of the procedure.
As soon as a full investigation has been completed, we’ll write to you to tell you how we’ve resolved the problem, or inform you of our findings.
We aim to do this by the end of the next business day, but if that’s not possible, we’ll write to you within five working days to let you know how to contact the person or team dealing with your case, and tell you how we’ve resolved the problem, or our findings, or when you can expect a full response.
If things do take a little longer, we’ll either respond fully within four weeks, or explain our position and tell you how long a full response will take.
In accordance with guidelines laid down by the Financial Conduct Authority, we must write to you with a final response, and provide details of the Financial Ombudsman Service along with a copy of their leaflet ‘Your Complaint and the Ombudsman’ and a statement confirming that an approach can be made to the Financial Ombudsman Service, within eight weeks of receiving your complaint.
Unless you advise us that we’ve misunderstood your concerns, the information on our system is incorrect or inaccurate, or you have additional information you’d like us to consider, we’ll consider a complaint closed when we’ve sent you a final response.
If you’re unhappy with our final response, or if we’ve not given you a final response within 8 weeks of your complaint, you have the right to refer the complaint to the Financial Ombudsman Service. You must do so within 6 months from the date of the final response. Their contact details are:
Phone: 0800 023 4567 or 0300 123 9123
Write to: The Financial Ombudsman Service, Exchange Tower, London E14 9SR