Many reviewers praise fast claim handling and helpful staff. Many others describe contact problems, including missing policy confirmations, unwanted calls, and difficulty reaching support. Several customers report very small refunds after cancelling. Overall, feedback splits between smooth claim results and frustration with administration and refunds.
Examples from available reviews (Dec 2021 – Feb 2026).
Customer struggled to contact support and received a small refund.
“They were an absolute nightmare to contact”
Team were straightforward and made setup quick and easy.
“He made setup really quick and easy.”
Assigned handler managed claim smoothly and paid out within ten days.
“I was paid out within 10 days of my accident”
Cancelled after 17 months and received only a £9.20 refund.
“Received £9.20.”
Many reviews mention quick claim handling and staff who moved claims along efficiently. Other accounts describe stressful or drawn-out claims that ended in denial. Reviews show a mix of smooth payouts and cases slowed by lengthy administration.
Several reviewers call the price good value when they did not need to claim. Repeated complaints point to very small cancellation refunds and low rebate amounts after months of cover. These refund experiences come up across independent cancellations and keep value a recurring concern.
Some customers describe fast, simple onboarding when staff set things up by phone. Others report a poor buying journey: no confirmation after paying, discount quotes they say were misleading, and being pushed into phone contact when asking for a quote. Together, these accounts suggest uneven experiences across quoting, purchase, and support.
No reviews directly assess product build, features, or long-term reliability. Most comments stay on policy administration, claims, and refunds rather than technical product details. As a result, product-level feedback remains minimal in this set.
Communication issues show up often and lead this topic. Reviewers mention missing confirmations, trouble reaching support, unsolicited calls after getting a quote, and discount messaging they say was misleading. Positive notes on communication appear, but far less often than the complaints.
Overall sentiment splits between strong satisfaction with claim outcomes and strong criticism of refunds and customer contact. Higher-rated reviews describe quick payouts and helpful handlers. Lower-rated reviews focus on admin problems, poor contact, and small refunds.
For each review, the core experience based on original source reviews.
Sources: Trustpilot (14) · Collected.reviews (1) · Quotes shortened · As of: February 2026
Policy purchase had no confirmation and customer service couldn't help.
“no confirmation of policy.”
Customer struggled to contact support and received a small refund.
“They were an absolute nightmare to contact”
Discount codes were false and made the company seem dishonest.
“THERE IS NO DIFFERENCE TO A QUOTE WITH OR WITHOUT A DISCOUNT CODE.”
Team were straightforward and made setup quick and easy.
“He made setup really quick and easy.”
They called after quoting and required phone numbers without opt-out.
“I did not want calls and would have skipped getting a quote if I'd known that getting it would sign me up to unwanted calls with no way to opt out.”
Reviewer states it offers great value for money.
“Great value for money.”
Customer service was pleasant, helpful, and clearly explained details.
“The customer service was excellent.”
Claim process was stressful, delayed, and ultimately denied after promises.
“the company stated I had no claim in the first place.”
Longtime customer received only £7.50 refund after cancelling.
“received £7.50 refund.”
Cancelled after 17 months and received only a £9.20 refund.
“Received £9.20.”
Click4Gap handled the theft claim well and paid quickly.
“Click4gap were excellent in dealing with my claim”
Purchased last year and considers it good value despite not claiming.
“is definitely value for money for the price.”
Assigned handler managed claim smoothly and paid out within ten days.
“I was paid out within 10 days of my accident”
Cancellation rebate was small and felt like poor value.
“I received a refund of £62.15.”
It helped me greatly when I got in an accident. I had my car insurance through a different provider and the car was not insured for damage by other parties. The insurance company told me that since the damage to my car was above deductible, I'd have to pay for it myself. They also said I must file claims with everyone at fault, which would have been three people. Needless to say, it was getting complicated and lengthy to handle. By the time my claim went through, there was nothing left of my car and I wouldn't buy it. I wouldn’t recommend it anytime to anyone ever.
This page combines submitted experiences with public reviews from platforms such as Google, Trustpilot, etc. Recurring points are summarised without changing the content of reviews.
Click4Gap is a UK GAP insurance provider for car owners. It offers online quotes and policies designed to cover the gap between an insurer payout and outstanding vehicle finance. Customers can get quotes on the website and share contact details for phone support. Click4Gap handles claims and pays out when a valid total-loss or theft claim is accepted. The company shares policy terms and manages cancellations and refunds through its support channels.