CAR GAP INSURANCE... protection against car depreciation your way

We appreciate not everyone is looking for the same level of protection, so we offer you the unrivalled opportunity to tailor your policy to your specific needs.

Our Car Gap Insurance policy provides the most essential protection against car depreciation by paying the difference between your motor insurers' settlement and the value of your car today. A choice of 9 optional policy upgrades allow you tailor cover specific to your needs. and pay only for the protection you require!

This innovative approach allows us to deliver dependable comprehensive cover whilst keeping underwriting costs to a minimum. In so doing, we are proud to say that Car Gap Insurance premiums, without compromise to cover, continue to be among the lowest in today's market.

RETURN TO INVOICE	Upgrade Gap benefit to pay back to invoice price
FINANCE SHORTFALL	Upgrade Gap benefit to pay the finance shortfall
DEALER ACCESSORIES	Include protection for dealer fitted accessories
EXCESS BUSTER	Include protection for Motor insurance excess
INCONVENIENCE GAP	Pays a guaranteed £500 toward uninsured expenses
TAXI GAP	Extend cover for cars used for taxi purposes
DRIVING SCHOOL GAP	Protects cars used for driving instruction purposes
NEW CAR REPLACEMENT	Upgrade cover to pay back to cost of brand new car
CONTRACT HIRE	Upgrade Gap benefit to pay contract hire termination charge

Check if your car is eligible for cover.

View the Eligibility Quick Reference Guide.

If you would like to add more than one of the 9 optional policy upgrades, the Policy Upgrade Chart provides a simple illustration of the combination of upgrades that can be purchased together.

View the Policy Upgrade Guide.

(Please note: this upgrade is not available for Black Cabs)

We are proud to say Car Gap Insurance are the first, and we believe only, on or offline provider of this type of insurance to remove the £5,000 to £25,000 claim limit.

Purchase a policy from Car Gap Insurance and you can be safe in the knowledge your claim will be settled without the claim limit restriction.

Gap Insurance is nothing new, it has been sold in its millions by motor dealers for over 20 years. However, you could only purchase it at the same time as you took delivery of your car.

We are proud to say we have again re-written the rule-book by delivering a Car Gap Insurance policy direct to the consumer that is available irrespective of when or how your car was purchased. The only restriction is that your car must be under 7 years old at policy inception.

We consider it unreasonable to expect our customers to take on the responsibility of accurately valuing their car, so we have re-written the policy to remove this need.

So don't worry about knowing the exact value of your car when you purchase a policy, instead, just select the most appropriate price range from the our three broad categories (up to £10,000, £20,000 or £30,000) and we'll provide your quote in seconds.

At the point of claim, it's our responsibility to establish a full valuation. Where appropriate (and available) we'll use your purchase invoice and, like most motor insurers we'll use the services of Glass's Guide, the industries leading third party valuation resource for almost 75 years, to determine accurate independent valuations.

Because we, and your motor insurer, use the same independent valuation system, you can rely on the fact depreciation will have been monitored and recorded accurately and reliably.

Please note: If you choose a price range lower than the value of your car, then our settlement will have to be restricted to the highest vehicle value of the price range chosen.

Gap Insurance was designed to be a dealer based product, with terms and conditions explicitly aimed at garage supplied cars. Therefore, cars purchased privately have historically been excluded from cover.

The Gap Insurance policy is written specifically for the on-line market direct to the consumer. This ground breaking approach means our Car Gap Insurance is equally suitable for private and dealer sourced cars, with no penalty to either.

Many Gap policies on the market are not available if a bank loan was used. This is usually because the terms and conditions were written to support dealer supplied cars with dealer supplied add-ons, like finance.

At Car Gap Insurance the policy is written specifically for the on-line market, to support and protect the consumer, wherever or however they purchased their car.

Therefore our Car Gap Insurance is suitable whether your car was purchased by means of cash or a loan.

Now the same robust reliable Gap Insurance policy can be extended to include protection for cars used by driving schools and instructors.

Our Gap Insurance policy can now be extended to include protection for cars used as a taxi.

(Please note: this upgrade is not available for Black Cabs)

Car Gap Insurance is no "New Kid on the Block". Insurance products have been our business for over 20 years.

Car Gap Insurance.co.uk is part of the Future45 Ltd group of companies which includes Click4Gap.co.uk and Click4warranty.co.uk. Like our sister sites we are not a broker. Together with our specialist UK motor related insurance partner, Red Sands Insurance Company (Europe) Ltd, we design bespoke policies for the discriminating online buyer who is looking for quality, value, protection and service.

When you purchase your insurance from Car Gap Insurance, you are to all intents and purposes buying direct from the insurer, no companies in between. We design the products, our insurance partner underwrites them. You are purchasing robust dependable cover with clear Terms & Conditions and No Compromise.

We're not a broker selling third party products. Despite over 20 years experience in developing and providing motor related insurance, we appreciate our most valuable information resource is you the customer.

If customers are confused or concerned by a policy condition, wherever possible we amend our policy. The recent decision to abolish the £5000 - £25,000 claim limits and to design a policy that's suitable for cars owned up to 7 years are perfect examples of how we can, and do, react to our customers' comments and requirements.

Your insurer, Red Sands Insurance Company (Europe) Ltd., is a specialist in UK motor related insurance products.

• A member of The Association of British Insurers (A.B.I.)


• A voluntary member of the Financial Ombudsman Scheme


• European Regulated


• Underwrite one of the UK's largest Mechanical Breakdown Insurance books


• Your policy is protected by the Financial Services Compensation Scheme


• For further information about Red Sands please visit www.redsands.gi

We have developed loyalty schemes to reward our customers. Our popular refer-a-friend scheme not only discounts the policy premium for the purchaser but also provides cash back to our existing customer.

Whilst Car Gap Insurance is an online business, we appreciate that some customers prefer the reassurance of an approachable customer service team. So, if you prefer to speak to us, we're based in Wimbledon, London and happy to take your call.

After 20 years we understand the importance of good Customer Service.

Car Gap Insurance is nothing new, it's been sold in its millions by motor dealers for over 20 years.

When we took the decision to deliver a Gap Insurance policy direct to the consumer, instead of via the motor dealer, the commission driven salesman, dealers etc. were removed. Instantly the premium you pay was immediately reduced by up to 75%. You could pay wholesale prices!

But we didn't stop there. We re-wrote the rule book and designed a Car Gap Insurance policy, written specifically for the on-line market.

The new Car Gap Insurance policy provides the most essential protection against car depreciation by paying the difference between your motor insurers' settlement and the value of your car today. A choice of 9 optional policy upgrades allow you tailor cover specific to your needs, and pay only for the protection you require!

This innovative approach has allowed us to deliver dependable comprehensive cover whilst keeping underwriting costs to a minimum. In so doing, we are proud to say that Car Gap Insurance premiums, without compromise to cover, continue to be among the lowest in today's market.