Click4Gap
Click4Gap is a UK direct-to-consumer GAP insurance provider, operating as a trading name of AutoProtect (MBI) Limited, selling online Return-to-Invoice, Plus, and Lease GAP cover to private vehicle owners facing depreciation-driven shortfalls after write-off or theft.
- Company typePrivate
- Founded2005
- HeadquartersHarlow, United Kingdom
- Headcount—
- GTM typeB2C
- OfferingServices
What Click4Gap does
Click4Gap is a UK direct-to-consumer provider of Guaranteed Asset Protection (GAP) insurance, operating as a trading name of AutoProtect (MBI) Limited within the AutoProtect Group of companies. The company sells online that cover the financial shortfall between a motor insurer's market-value payout and either the original vehicle purchase price or the outstanding finance balance, in the event of theft, accident, fire, or flood. Its product set comprises Combined RTI Gap Insurance, Combined RTI Gap Insurance Plus (which adds up to 7 days of car hire and £150 of cover for non-fault incidents), and Lease/Contract Hire Gap Insurance, with eligibility extending to cars, motorbikes, mopeds, scooters, hybrids, EVs, taxis, and driving school vehicles purchased within 180 days.
The business runs as a web-based distribution platform: customers obtain instant online quotes, purchase 24/7 via click4gap.co.uk, and pay either upfront or via 12-month instalment plans administered through Premium Credit. Click4Gap is authorised and regulated by the Financial Conduct Authority (FCA No. 312143), with policies underwritten by Acasta Europe Limited and Red Sands Insurance Company (Europe) Limited. UK-based customer service is provided by telephone, email, and live chat; claims administration is handled by AutoProtect (MBI) Limited's in-house team. The registered office is in Harlow, Essex, and policy administration operations are based in Stevenage.
The revenue model is recurring premium income on individual policies, distributed exclusively direct-to-consumer online, with a parallel dealer-referral channel via the wider AutoProtect Group. Pricing is quote-based and not publicly disclosed. Click4Gap has been recognised by motor retailers as the dealer-recommended GAP/RTI supplier for multiple consecutive years through 2022 and is ranked by MoneySavingExpert among top online GAP insurance brokers, indicating established but niche positioning within the UK GAP market.
Click4Gap firmographics
Firmographics- Name
- Click4Gap
- Legal name
- AutoProtect (MBI) Limited
- Website
- https://click4gap.co.uk
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Short description
- Click4Gap is a UK direct-to-consumer GAP insurance provider, operating as a trading name of AutoProtect (MBI) Limited, selling online Return-to-Invoice, Plus, and Lease GAP cover to private vehicle owners facing depreciation-driven shortfalls after write-off or theft.
- Ownership category
- akta.pro rank
Click4Gap industry classification
Industry- Product category
- GAP Insurance
- NAICS
- Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Gap Insurance (Auto Loan/Lease) (FSAJAAAK)
- akta.pro secondary industries
- Vehicle Protection & Add-on Product Financing (Warranties, GAP, Service Plans) (FSAKADAL), Personal Auto Insurance (FSAJAMAA)
Keywords
Where Click4Gap is headquartered
LocationHeadquarters
- HQ city
- Harlow
- HQ country
- United Kingdom
- HQ region
- Europe
Offices2 records
Markets served
Click4Gap business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- GAP Insurance Premiums: Click4Gap generates revenue through the sale of GAP insurance policies. Customers can pay for policies in full upfront or through a monthly payment plan spread over 12 months. The company offers Combined RTI Gap Insurance and Combined RTI Gap Insurance Plus products with coverage up to £75,000.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Combined RTI Gap Insurance - Standard coverage for shortfall between market value and purchase price or outstanding finance |
| Subscription | Monthly | Combined RTI Gap Insurance Plus - Enhanced coverage with additional benefits |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Click4Gap product offering
Product offeringCore offering
Click4Gap is a UK-based direct-to-consumer GAP (Guaranteed Asset Protection) insurance provider, operating as a trading name of AutoProtect (MBI) Limited. The company sells Return-to-Invoice (RTI) GAP insurance policies online that cover the financial shortfall between a motor insurer's market-value payout and the original vehicle purchase price or outstanding finance balance when a vehicle is stolen or written off. Policies cover up to £75,000 of shortfall, plus dealer-fitted accessories and motor insurance excess, and are available with monthly payment plans via Premium Credit.
Product overview
Click4Gap is a UK-based GAP (Guaranteed Asset Protection) insurance provider specializing in protecting vehicle owners against financial shortfall when their vehicle is stolen or written off. The core offering consists of Combined RTI Gap Insurance and Combined RTI Gap Insurance Plus products, which cover the difference between motor insurance market-value payouts and original vehicle purchase prices or outstanding finance balances. An additional Lease/Contract Hire Gap Insurance product serves customers with leased vehicles. All policies are underwritten by Acasta Europe Limited and regulated by the FCA.
Differentiator
Problem solved
Functional benefit
Brands
- Combined RTI Gap Insurance: Gap insurance covering the shortfall between motor insurer payout and vehicle purchase value or outstanding finance balance.
- Combined RTI Gap Insurance Plus
Products and services
- Combined RTI Gap Insurance Return-to-Invoice GAP insurance that covers the shortfall between the motor insurer's market-value payout and the original purchase price (or outstanding finance balance) when a vehicle is written off or stolen. Coverage up to £75,000, plus up to £1,500 for dealer-fitted accessories and up to £500 towards motor insurance excess. Designed for private vehicle owners in the UK who have purchased a vehicle within the last 180 days.
- Combined RTI Gap Insurance Plus Enhanced version of Combined RTI Gap Insurance providing the same shortfall coverage plus additional benefits including up to 7 days of car hire and £150 cover for non-fault incidents that do not result in total loss. Aimed at UK vehicle owners seeking broader protection.
- Lease/Contract Hire Gap Insurance GAP insurance product designed specifically for vehicles under lease or contract hire agreements, covering the shortfall between motor insurer settlement and outstanding obligations under the lease/contract. Targeted at UK lessees and contract hire customers.
Quantifiable outcome
- Vehicles depreciate 15-35% in first year, potentially losing up to 40% of value
- +3 more outcomes
Companies that use Click4Gap
Customer profileSegments6 records
Click4Gap technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Click4Gap partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- Premium CreditcorePremium Credit provides the monthly payment facility for Click4Gap policies, allowing customers to spread cost over 12 monthly instalments. Customers pay 20% deposit followed by nine monthly payments. Premium Credit may perform credit checks during application.
- Glass's GuidecoreGlass's Guide is the motor insurance industry's leading vehicle valuation guide (since 1933). Used to determine vehicle value when customers don't have VAT invoices or for independent valuation verification.
- Acasta Europe LimitedcoreAcasta Europe Limited (FCA No. 599391) is the insurer that underwrites Click4Gap GAP insurance policies, providing the actual insurance coverage backing the products.
- Red Sands Insurance Company (Europe) LimitedcoreRed Sands Insurance Company underwrites Click4Gap policies and is covered by the Financial Services Compensation Scheme (FSCS), protecting customers if the insurer cannot meet its obligations.
- AutoProtect (MBI) LimitedcoreClick4Gap is a trading name of AutoProtect (MBI) Limited, which also manages claims administration. Claims are handled by AutoProtect MBI Limited's experienced claims team.
- Shine (AutoProtect Group)minorShine provides SMART insurance mobile repair services, with fully trained technicians across the UK. Part of the AutoProtect Group ecosystem. Used for minor damage repairs.
- Motor DealershipsminorAutoProtect Group is recognized as the dealer-recommended GAP insurance supplier, suggesting referral partnerships with motor dealerships across the UK.
Scale indicators5 records
Recent moves6 records
Expansion highlights3 records
Click4Gap competitors and assessment
Company assessmentMarket position
Competitive moat3 records
Key highlights4 records
Customer concentration
Click4Gap compliance and trust
Trust signalCompliance2 records
Click4Gap financial estimates
Financial estimateRevenue estimate
Valuation estimate
Click4Gap leadership team
Management profileNumber of profiles
Click4Gap funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Click4Gap M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Click4Gap
What does Click4Gap do?
Click4Gap is a UK-based direct-to-consumer GAP (Guaranteed Asset Protection) insurance provider, operating as a trading name of AutoProtect (MBI) Limited. The company sells Return-to-Invoice (RTI) GAP insurance policies online that cover the financial shortfall between a motor insurer's market-value payout and the original vehicle purchase price or outstanding finance balance when a vehicle is stolen or written off. Policies cover up to £75,000 of shortfall, plus dealer-fitted accessories and motor insurance excess, and are available with monthly payment plans via Premium Credit.
Is Click4Gap a public or private company?
Click4Gap is a private company. It is classified as corporate owned and is currently operating.
When was Click4Gap founded?
Click4Gap was founded in 2005.
Where is Click4Gap based?
Click4Gap is headquartered in Harlow, United Kingdom, in the Europe region.
How does Click4Gap make money?
One revenue line is on record: GAP Insurance Premiums.
Does Click4Gap have an API?
No public API is recorded for Click4Gap.
What industry is Click4Gap in?
Click4Gap's product category is GAP Insurance. Its primary akta.pro industry code is FSAJAAAK, Gap Insurance (Auto Loan/Lease), with a secondary code of FSAKADAL, Vehicle Protection & Add-on Product Financing (Warranties, GAP, Service Plans). Its NAICS code is 524210 and its SIC code is 6411.