Business Details
22 Years
experience
Trusted Gap Insurance Solutions in Harlow
At Click4Gap, we specialise in providing comprehensive Gap Insurance solutions designed to protect vehicle owners from significant financial loss in the event of theft or total write-off. Established in 2004, our company has built a reputation for delivering tailored insurance products that address the depreciation gap between motor insurance settlements and the original vehicle value. Our team of experienced professionals combines deep industry knowledge with a commitment to transparency, ensuring clients receive clear policy terms, competitive pricing, and efficient claims processing.As an FCA-authorised provider, we adhere to strict regulatory standards while maintaining a customer-centric approach that includes 30-day cooling-off periods, no hidden fees, and flexible payment options. Our expertise extends to covering new and used vehicles, motorbikes, taxis, and driving school vehicles across the UK, with policies offering up to 75,000 shortfall protection and additional benefits like excess reimbursement and accessory coverage.
Services
Gap Insurance
Combined RTI Gap Insurance
Gap for New Vehicles
Gap for Used Vehicles
Motorbike Gap Insurance
Details
- Year established: 2004
Highlights and features
- We offer 30-day money-back guarantee with no questions asked
- Our policies include coverage for dealer-fitted accessories up to 1,500
- We provide immediate cover starting from the day your premium is received
- Our UK-based team offers expert guidance during office hours
- We guarantee no hidden charges for policy amendments
Associations and certifications
- Financial Conduct Authority
What people say
Best quote
Additional extra
Easy to use
Quick settlement
Transparent terms
Services
Gap Insurance
Our Gap Insurance policies protect vehicle owners from financial shortfalls when motor insurance payouts fail to cover the original vehicle value after theft or total loss. Coverage includes depreciation protection up to 75,000, dealer-fitted accessories up to 1,500, and motor insurance excess reimbursement up to 500. Policies start immediately upon payment and offer flexible 12-month payment plans with no age or mileage restrictions once coverage begins.
Combined RTI Gap Insurance
This comprehensive policy combines Return to Invoice (RTI) coverage with additional benefits, ensuring protection against depreciation gaps for financed vehicles. It covers the difference between motor insurance settlements and outstanding finance balances, with options for new and used vehicles under 8 years old. The policy includes 30-day cooling-off period and immediate coverage activation upon payment receipt.
Motorbike Gap Insurance
Tailored coverage for motorbikes, mopeds, and scooters provides financial protection against depreciation gaps following theft or total loss. Policies cover vehicles up to 8 years old with less than 80,000 miles, offering up to 75,000 shortfall protection. The service includes comprehensive excess reimbursement and accessory coverage, with flexible payment options available.
Taxi Gap Insurance
Specialised Gap Insurance for taxi vehicles up to 10 seats offers financial protection against depreciation gaps. The policy covers vehicles under 8 years old with less than 80,000 miles, providing up to 75,000 shortfall coverage. It includes protection for dealer-fitted accessories and motor insurance excess, with immediate coverage activation upon payment.
Driving School Vehicles
Gap Insurance specifically designed for driving school vehicles provides financial protection against depreciation gaps following total loss incidents. The policy covers vehicles up to 8 years old with less than 80,000 miles, offering up to 75,000 shortfall protection. It includes comprehensive coverage for dealer-fitted accessories and motor insurance excess reimbursement.
Questions
What vehicles are eligible for Gap Insurance?
New or used vehicles under 8 years old with less than 80,000 miles, including cars, motorbikes, taxis, and driving school vehicles. Excludes commercial vehicles over 3.5 tonnes and specified high-performance models.
How does Gap Insurance work with financed vehicles?
Covers either outstanding finance balances or the difference between motor insurance payout and original vehicle value, whichever is greater, up to policy limits.
Can I cancel my Gap Insurance policy?
Yes, with full refund within 30 days of purchase. After this period, pro-rata refunds apply minus a £35 administration fee, provided no claims have been made.
How do I make a claim?
Contact our specialist claims team through the dedicated claims portal or partner claims handler. Most claims are processed within days of registration.
What payment options are available?
Choose between single payment via credit/debit card or 12-month instalment plans with immediate coverage activation upon first payment.
Is there a cooling-off period?
Yes, all policies include a 30-day cooling-off period with full premium refund available if cancelled before making any claims.
