IMPORTANT INFORMATION: Click4Gap Insurance are receiving calls daily from customers being told they can only purchase GAP Car insurance or Return To Invoice from their supplying Car Dealer.

THE FACT IS THAT YOU MAY PURCHASE GAP CAR INSURANCE OR RTI GAP FROM ANY SUPPLIER YOUR CHOOSE

If you’re being pressurised in this way, the salesperson is at best ill-informed or worse deliberately misleading you to reach his personal targets. Like all insurance’s, GAP or RTI should be purchased based on quality of cover and premium.

Do I have to purchase Gap Car insurance (RTI)  from my supplying Dealer? No. Your dealer may put you under pressure to buy from them as it is a good source of commission (as is evident from the increased premiums usually charged).

What is Return to Invoice Insurance (RTI)? If your car is stolen or written-off, this policy will pay the difference between the total loss amount you receive from your motor insurance and the price you originally paid for the car.

What is a "Total Loss"? When an insured person has claimed under their comprehensive and/or fire and theft motor insurance policy and the claim has been settled, with the vehicle forfeited and a total loss payment made.

Is there a maximum amount RTI will pay? Customers can select a claim limit to suit the cost of their vehicle. At time of going to press the maximum claim limit stands at £25,000

Can you give me an example of how RTI works? If you paid £12000 for your car and your motor insurance pay out is £8750, RTI can pay the difference of £3250 to top it up to the original £12000.

Do I Need RTI If I Have New For Old Insurance? New for old replaces like for like, so your insurer will source your current model from the cheapest place. Wouldn’t you prefer the latest model or perhaps even a completely different car?  Don’t forget, after the first year you will not only lose the limited cover your insurer offers - you will be unable to purchase RTI as it can’t be taken a year after purchase.  So yes, RTI is definately of value if you have "New for Old" from your Motor Insurer.

How long will Car Gap Insurance (RTI) cover last? Your Gap Insurance Cover is available for up to three years (depending on premium paid), or when you sell or transfer ownership of the vehicle, whichever is the sooner.

Can it be transferred if I sell the car? No, the insurance only covers the person or company who paid for the insurance whilst the car is under their ownership.

Must I be the Policy Holder for the Motor Insurance Policy? No, but to take out the Gap Car Insurance you must be a named driver on the vehicles Motor Insurance Policy.

What is the claims procedure? Simply contact the claims office at Click4Gap, supply them with any information which may be needed to establish the amount of any payment under this insurance and notify the police as soon as reasonably possible. They will guide you through the entire process.

It’s Unlikely My Car Will Be Written Off. As you are aware cars are very safe, designed to crumple in the event of impact - unfortunately this results in more vehicles becoming total loss. OVER 500,000 VEHICLES BECOME TOTAL LOSS’S EACH YEAR

My cars fitted with a “state of the art” alarm system. When was the last time you rushed to the sound of a car alarm? CAR CRIME IS 30% OF ALL CRIME

Is RTI (GAP Insurance) good value for money? Take a look at the following example to help you decide.
Your car is stolen or written-off after 18 months:  The Purchase Price was £10,000:  Insurers depreciate the car to £5250:  Your RTI Top-up policy pays out £4750
Most people pay at least £400 a year for Motor Insurance, so three years cover would cost around £1200. In our example the insurance company paid just £5250, do you perceive this as good value for money? £1200 for a claim of £5,250!
Your RTI Top up paid £4750, which one looks better value?

How long after I buy my new car can the RTI insurance be bought?
You can purchase the policy up to 180 days after you take delivery of your car.

I did not buy a Gap Insurance Policy during the first 3 months, can I still buy a Gap policy?
Yes, Click4Gap have a great new product called Return to Value Gap available for new and used cars after the 3 months period.

Can the RTI insurance still be purchased when the car was bought for cash (i.e. no finance
involved)?
Absolutely yes. The policy relates the difference between the amount your insurance company pay and how much you originally paid for the car. Therefore it is as beneficial to cash Customers as it is finance customers.

Would your Gap Car Insurance still pay out if the driver was under the influence of aclohol?
Yes you would be covered under Click4Gaps' policy, but only if the driver was within the legal limit for alcohol consumption.

The premiums are so much lower than I have been quoted by my supplying dealer, are they a one-off payment for three years or an annual payment?
All advertised premiums represent the total cost to you for three years Return to Invoice Gap Insurance. A one-off payment which can be made by credit card or cheque.

I won't be keeping my car for three years, can you offer me a one or two year policy?
There’s very little money to be saved by reducing the term to one or two years as newer cars are rated as being more likely to be stolen and therefore pose a greater risk.
Your car won't need a high claim limit, as you only need to insure the first year or twos depreciation. So, simply choose a lower claim limit, then policy will be cheaper. This would ensure enjoy the best of both worlds. Adequate cover lower premium. And don't forget, should you decide to keep the car longer - the policy will still be live and you continue to benefit from the cover!

Do you supply Return to Invoice Gap Insurance for Commercial Vehicles?
Due to the fact that the underwriters currently have a clause in the policy relating to the "....Transportation of Goods, delivery or courier..." at this time we cannot offer Return to Invoice Gap Insurance on commercial vehicles.

Is the "claim Limit" the total amount of the claim including what the insurers pay or is it the difference between what Insurers pay out and the original amount paid for the vehicle?
Return to Invoice Gap Insurance pays the difference between the amount your Motor Insurance pays in the event of a total loss, and the amount you originally paid for the car. The claim limit is the maximum amount the Gap Insurance will pay in the event of a claim.

Will your Return to Invoice Gap Insurance always pay out if the Motor Insurance honours the claim?
The policy terms and conditions state "We will pay the financial shortfall between the amount you receive from your Motor Insurance policy and Purchase Invoice of the Vehicle, as confirmed in the invoice of sale" so effectively if the motor insurance pay out Return to Invoice Gap Insurance will also pay out.

Can I pay for Return to Invoice Gap Insurance by monthly instalments?
Unfortunately we do not have this facility at the moment. You could of course pay for the insurance indirectly on a monthly basis by paying with your credit card.

Section 1.1 of the Terms and Conditions state "Vehicles which have been modified in any way from the manufacturers Spec…" are not covered. My new car has factory fitted extras and dealer fitted extras - would this make a claim invalid?
This clause relates to modifications that are outside of the manufacturers specification (eg engine modifications etc).therefore the usual dealer fitted extras would not invalidate your policy.

I am unclear about when the date of purchase of my new is defined.  Is it the date I ordered the car or the date I collected the car from the dealer?
For the purpose of Return to Invoice Gap Insurance the date of purchase is the date You collected the car.

Is Return to Invoice Gap Insurance only for new cars or can it be used for used cars too?
Our Return to Invoice Gap Insurance is available for cars that are up to 7 years old at the "start" of policy.

Do you offer cover for just 18 months?
All the policies we offer are for three year periods. However you can reduce the premium by selecting a suitable claim limit that covers the first 18 months depreciation only.

Are your premiums one off for three years cover or the cost for each year?
The advertised premiums are the total cost to you for three years Return to Invoice Gap Insurance. A one-off payment that can be made by credit card.

The Gap insurance is in my name, will a claim be honoured if the car was involved in an accident while being driven by some-one else?
As long as the driver of the car is a named driver on your comprehesive motor insurance then GAP Insurance will honour a valid claim.

Can I Buy Return to Invoice Gap Insurance if my car has been imported into the UK?
Yes, if your car is a "Parellel" import.  No if your car is a "Grey" import.  See below for definitions.

What is a "Grey Import"?
A grey import is a vehicle that was produced for non-European markets and does not conform to European specifications or carry European "Type Approval" safety checks. 

Type Approval is a certification process through which manufacturers have to put every type of vehicle that will be sold in Europe. This ensures that vehicles comply with certain standards of quality and safety of components such as lights, glass, tyres and systems such as steering, brakes and engine tuning.

What is a "Parallel Import"
Parallel imports will have been produced for a European Member State and will conform to European Wide Type Approval.

Would Gap Cover still pay out if the driver were convicted of driving without due care and attention?
Like most Motor Insurance policies our Return to Invoice Gap Insurance will pay out if the driver were convicted of driving without due care and attention.

Can I buy Return To Invoice Gap Insurance if I purchased my car from a private seller? Unfortunately not, to qualify you must source your car from a "trade" dealership eg. Garage, Contract Hire Company, Leasing Company.  The declaration on the buy now page would alert you to this before you purchase a policy.