Call: 01438 870615

Click here for our operating hours (inc. Xmas Opening Hours)
No items in your basket


Admiral misleading Gap Insurance buyers

Gap Insurance advertised by Admiral is not insured or administered by them. Instead, the cover is provided by Car Care Plan Limited.
Many will be fooled into thinking the policy is insured by a household name, but the fact is, Admiral appears to have no insurance connection.
It must be assumed a third party is paying Admiral to use it’s brand name to attract customers.
If you have purchased cover from their website, you do have a statutory cooling off period of 14 days in which you may cancel and receive a full refund of the premium paid.

Motor dealer Gap Insurance provider in liquiquidation

Motor dealer Gap Insurance provider Premia Solutions announced that 177,000 Gap Insurance policies will be cancelled with effect from 11th August 2018.

This worrying news follows the bankruptcy of the underwriting insurer Alpha Insurance A/S, a Danish insurer who declared bankruptcy on 8th May 2018.

Premia Solutions supply Gap Insurance to a large number of dealers and dealer groups throughout the UK and Ireland and have done so for 16 years.

Premia Solutions do appear to have been extremely fortunate on this occasion and have found an alternative underwriter to save the day for many thousands of motorists

The financial failure of non rated Alpha Insurance follows the bankruptcies of Enterprise Insurance and Gable Insurance – also small unrated overseas insurers.

For those who assume motor dealer Gap Insurance is safe and secure, think again. Make sure you choose a financially ‘rated’ insurer!

Gap Insurance Is A Financial Rescue

For many victims of a vehicle write off, Gap Insurance is a financial rescue

Recent statistics published by major institutions tell us why Gap Insurance demand is booming.

  • The Office for National Statistics state “vehicle theft now accounts for 1 in every 7 crimes”,
  • The Association of British Insurers declares “record levels of claims in 2017” totalling £8.1 billion,
  • The BBC’s website also quotes the RAC who say “vehicle theft has increased by 30% in the last 3 years”.

These statistics represent a substantial financial risk to the UK motorist.

In a write-off, a motor insurer will only pay the market value of the vehicle at the time of loss. This means the mis-described and often misunderstood ‘Fully Comprehensive’ insurance will be little comfort to most victims. Many will be left with a debt which is greater than the insurance payout – and cash buyers will suffer thousands of pounds in value loss.

A range of vehicle Gap Insurances are available to you, to help protect against financial loss when a write off occurs. You can read more about the options here. Gap Insurance is available for new and used cars, motorcycles and light commercial vehicles. All forms of cover provide financial protection and options are available to cash buyers and vehicles on finance and leasing schemes.

The consumer is normally first introduced to these products by motor dealerships at the time of vehicle sale negotiation. Dealers view these products as an opportunity to profit from an impulse purchase and prices are therefore much higher than online brokers. Recent FCA rules require motor dealers to provide information and quotations and encourage buyers to compare cover elsewhere before buying.

Why pay more to your dealer when better cover and lower prices are available elsewhere including here?


car2cover Raising Money for Alzheimer's Society

car2cover Raising Money for Alzheimer’s Society


It’s Elaine from car2cover here.

I am supporting Alzheimer’s Society as this is a charity close to my heart. My Nan suffered from dementia, my Mum is suffering from it and so many other friends & family have been affected by this sad, slowly progressive and cruel disease.

Dementia devastates lives. By 2021, it’s predicted that one million people will have the condition.

I hope to raise money to help fight dementia. With all of our support, the Alzheimer’s Society will make greater progress towards their vision of a world without dementia.

I am self-funding this challenge, which means every penny I raise will go to Alzheimer’s Society.

Any donations will be greatly appreciated, no donation is too small!

Just Giving

In 2015/16 for every £1 they received, 89p was spent on directly improving the lives of people with dementia. The other 11p went towards generating future income.

Thank you for your support – and bring on the cycle challenge 🙂

Elaine xxx

P.S. Donating through JustGiving is simple, fast and totally secure. Your details are safe with JustGiving – they’ll never sell them on or send unwanted emails. Once you donate, they’ll send your money directly to the charity. So it’s the most efficient way to donate – saving time and cutting costs for the charity.

Click2protect Go Limited

In keeping with our year on year growth and development plans, click2protect, the owner of – has changed it’s legal status from a Partnership to a Limited Company with effect from 1st April 2015.

Click2protect launched on-line in February 2007 to offer customers an alternative source for higher quality and substantially lower cost Gap Insurance, Tyre Insurance, Scratch and Dent and Alloy Wheel insurance.

Since 2007 the business has been seen to be the market leader and most knowledgable in the market, having been chosen to consult with Defaqto and the FCA on the development of the Gap Insurance product and its marketplace.

The business ethos is simple. Highest quality products at the lowest prices in the market delivered with a level of sales and claims service that exceeds the expectations of its customers.

The new Limited company status brings about a name change to Click2protect UK Limited – and the company’s directly authorised FCA status remains unchanged.

Admiral Insurance – Car Theft Warning

Leading car insurance provider, Admiral Insurance recently published an on-line article in which they confirmed ‘modern car theft is on the rise

The article found here confirmed that thieves are using high tech gadgets that are easily obtainable to intercept signals from vehicle security systems.

This hi tech approach to car theft enables thieves to make off within 10 seconds and in London alone, almost half of the 21,000 vehicles stolen were taken using these advanced methods of theft.

The gadgets used is readily available locksmith equipment that enables instant access without a key.

With the Association of British Insurers confirming over 500,000 vehicles are written off every year (57 per hour – every hour), cars, motorcycles, vans and motorhomes represent a high value easy target for the thief. Most stolen vehicles are dismantled and their components sold globally to avoid detection.

The argument for some form of Gap Insurance is becoming increasingly compelling. In most cases Gap Insurance can be purchased for less than the cost of mobile phone insurance and can protect the policyholder against substantial financial losses if a write off by damage or theft occurs.



Dealer Gap Insurance dangers

We hear these stories from our customers pretty much every day and we thought we would share this typical example with you to highlight how risky it can be to accept your dealers Gap Insurance.

A customer told us he was buying a new prestige car on a 4 year PCP (Personal Contract Plan) finance agreement. The ‘on the road’ price of his new car was £36,500.00 (after a special discount of £5,000) and at the end of the finance plan the finance company required a payment of £13,870.00 if he wanted to keep the car. This is the finance company’s forecast of the vehicles approximate value at the end of the 4 year period.

We did this simple calculation to calculate how much Gap Insurance cover the customer needed to consider;

Vehicle purchase price £36,500.00 minus the lenders forecast value at end of the finance agreement of £13,870.00 = potential depreciation of £22,630.00. Not a difficult calculation – just common sense.

This customers dealership advised that he should purchase a 3 year £15,000.00 level of cover ‘Return To Invoice’ Gap Insurance for £599.00.

The ONLY thing this dealership did right was to suggest Gap Insurance in the first place. What they did wrong was;

> They offered a 3 year period of cover when the customer intended to keep the car 4 years, leaving him unprotected in the 4th year,
> They offered a £15,000.00 maximum claim limit when the lender is forecasting £22,630.00 in depreciation,
> They offered a Return To Invoice Gap Insurance when the likelihood is the cost of a replacement in year 2, 3 and 4 will be substantially more than £36,500.00 due to price increases, model changes, reduced discounts etc.
> They tried to make a substantial profit out of this customer – possibly up to £450 profit!

Not only would the customer have been inadequately covered by an inappropriate policy for a year less than he needed it – he would have been spectacularly overcharged.

After talking through his requirements with us the customer purchased a ‘Vehicle Replacement‘ Gap Insurance from us for a 4 year period with no claim limit for just £299.00 – a 50% saving for a policy that will pay for a replacement even if the cost of a replacement is more than he originally paid (not limiting itself to the original invoice price like the dealers policy) and for a year longer.

That is why we suggest there are dangers and risks involved in buying Gap Insurance from your dealer. They are motor dealers, not specialist insurance brokers.

If you have a similar story, please let us know – we would love to hear from you.

Please feel free to call us on 01438 870615 or email us at We promise no sales techniques or pressure – just friendly explanations and prices.


car2cover extends insurance product line up

For decades motor dealers have profited handsomely from the sale of Gap, Tyre, SMART (Scratch and Dent) and Alloy Wheel Insurance – and until now the consumers choice of product and supplier has been severely limited.

From 1st January 2014, announced the launch of two new products to give consumers greater choice, quality and financial saving.

SMART Insurance, sometimes referred to as Scratch and Dent insurance is now exclusively available to our Gap Insurance policyholders. This protection provides up to £3,000.00 of small cosmetic repairs to your vehicle body work and repairs are carried out at your home or place of work and backed by a three year guarantee. Up to 2 claims per year can be made and 5 in the total period of insurance. Unlike some policies on the market, there is no limit to the cost of each claim, except of course the total claim limit of £3,000.00.

Alloy Wheel Insurance, is exclusively available to our Gap Insurance policyholders and is available in combination with our Tyre Insurance or SMART Insurance cover. This insurance will provide up to 2 claims per year and 5 in the total period of insurance and again repairs are carried out at the policyholders home or place of work and are also covered by a three year guarantee. Up to £100 is paid towards the cost of each repair. Diamond cut, chrome effect and split rim alloy wheels cannot be covered by this policy to to the specialist nature of repairs on these types.

These new products are designed to help owners protect their investment and now provide the consumer with choice and a significant price advantage.

Terms and Conditions and more information for both types of cover are available on our web site at

Call for more information or if you have questions on 01438 870615. relocates


As the UK’s leading and longest continually FSA/FCA authorised Gap Insurance specialist, business has been growing year on year as a result of substantial numbers of new and repeat customers.

To cater for the increased levels of business we have relocated from Stevenage in Hertfordshire to Sawbridgeworth in Hertfordshire. Our new offices provide greater space for expansion whilst retaining easy access to M11, M25, A1 and M1 motorways.

The new home of Gap Insurance is the 3rd and 4th Floors of a sympathetically restored Maltings Building 150 yards from the Sawbridgeworth main line station.

Founded 8 years ago in Stevenage we have remained an integral part of the local business community since our formation and to retain our Stevenage identity and continuity, we will endeavour to retain our Stevenage telephone number prefix.

Our full address from 1st February 2014 is;

trading as,
3rd and 4th Floors,
Gainsborough House,
Sheering Lower Road,
CM21 9RG.

Our telephone number remains 01438 870615 or 0843 2898318

Free Gap Insurance can cost you dearly

As a result of ‘pressure’ to sell Gap Insurance and other insurance products, motor dealers often use a number of ‘tactical’ means to increase their policy sales to achieve the manufacturers insurance sales targets.

Why would a motor manufacturer set an ‘insurance sales’ target you may well ask ?

Motor manufacturers supplement their profits by setting up insurance schemes for the dealer network and are paid a commission for every policy sold by their dealer network. The income can be substantial. Take a franchise such as BMW for example. BMW have approximately 150 dealers in the UK and if every dealer sells 40 policies per month, that equates to 72,000 policy sales -and if their commission arrangement with the insurer is say, £15 per policy – that provides the manufacturer with over £1 million extra profit per year from one additional supplementary product offering. Ford and Vauxhall for example have double that number of dealers and therefore their revenue is also likely to be over £2 million pounds per year.

What does this mean to you as a consumer?

Profits of this proportion means manufacturers set some tough insurance sales targets and therefore there is a ‘pressure’ to sell applied to the dealers – and pressure to sell can lead to some poor practices that are not in the consumers interest or indeed fitting with the FCA principles.

One common tactic is to offer Free Gap Insurance when negotiating a sale with a buyer. What’s not to like about something that is free? Let’s be clear, the policy is not free to the dealer – they will have to pay the premium to the insurer on your behalf and it will be in forfeit of some of the discount that would have been available to you anyway. So, it’s not an act of kindness – it’s a means of selling an insurance you may not have otherwise purchased from them and it gives the perception of ‘good will’ to help ‘seal the deal’.

So, what is so wrong about free Gap Insurance?

Because so many parties receive a financial benefit when a policy is sold by a dealer, ie the manufacturer, the franchised dealer, the Sales Executive and the dealers Business Manager – the manufacturer will negotiate the lowest premium, regardless of quality of cover, to give the greatest opportunity for all parties to make a very healthy profit. Insurance is simple. An insurer can only reduce a premium when he is able to reduce the risk of a claim and reduce the payment in a claim – and this is achieved by setting what are known as ‘Limitations and Exclusions’ within the Terms and Conditions. Because this ‘free’ gift is coming to you at a cost to your dealer, they may choose an insufficient level or type of cover – simply to keep their costs down.

Therefore your ‘free’ dealer Gap Insurance policy could lead to disappointment and unexpected loss when you make a claim, making your ‘free’ Gap Insurance far less appealing than it was when it was ‘gifted’ to you.

Dealer policy’s are often very restrictive, lacking in choice and flexibility and normally negotiated by someone with very little or no knowledge about Gap Insurance. Before you accept a free Gap Insurance – invest 5 minutes of your time to talk to a Gap Insurance specialist – it could save you a great deal of money.

To speak to one of the most experienced Gap Insurance specialists in the UK without any sales pressure or obligation – call 01438 870615.

For Your Peace of Mind

Read our testimonials

"Thank you for giving me a replacement gap cover insurance for my new car free of charge. After the hassle of having my car written off, this is a nice little bonus. Also the experience of claiming from your company was very pleasing and hassle free" Mr D Day, Kent, February 2016


GAP Guide

Click on the image below to read our top Ten Guide to buying GAP insurance