What is RTI Gap Insurance?

Return to Invoice Gap Insurance (RTI) is the best protection for both new and used car purchasers. Available to customers that have purchased with cash, used finance, placed the vehicle under contract hire or lease agreements, Return to Invoice protection pays the difference between the total loss depreciated value of the vehicle, and the original price paid for the vehicle.

In other words, with Return to Invoice Insurance (RTI) you can be sure you will receive the full purchase value back in the event of a complete vehicle loss through an accident resulting in an insurance write-off, or a theft resulting non-recovery of the vehicle.

The advantage of using Return to Invoice Gap Insurance is that it helps to refund the vehicle’s depreciation, so you get back what you originally paid for the car. It is available on new and used cars, and it is available when buying for cash, using a loan or even when using finance options.

How does RTI Gap Insurance work?
Here’s an example:
Car purchase value – £ 16,000
Value of your car at Total Loss – £ 10,000
Gap Insurance Pay-out – £ 6,000

This type of gap insurance applies to all vehicles registered and used within the United Kingdom. The vehicle needs to have a comprehensive motor insurance policy, and be no more than seven years old. RTI gap insurance packages are there to help you, the customer, get the balance between the original purchase price of the new or used car and the value your comprehensive motor insurance company pays out.

Contemplate where you would be right now if your car happened to be stolen or written-off by your motor insurer due to an accident. The value of your vehicle is calculated on the day of the total loss, and due to depreciation, there could be a significant difference between what you paid originally and your pay-out, leaving you with debts or payments outstanding on a vehicle that you have not even had the opportunity to truly enjoy yet.

Nowadays, it has become so much cheaper and more time efficient to shop online. With merely a few clicks of a button, your products are chosen, and the purchase completed.

When your car is written off or stolen, your motor insurer will settle your claim at the market value of your vehicle at the time of loss. This can leave you with a gap of thousands of pounds, and wondering how you’ll ever manage to afford a replacement… website and still pay off the shortfall.

When you take out Click4Gap Combined Return to Invoice (RTI) Gap Insurance, you can feel secure in the knowledge that you won’t be left out of pocket should this ever happen.

Our Combined RTI cover means that if you paid cash for your car, you’ll be covered for the difference between the purchase value (what you paid for it when you bought it), and its market value at the time of the loss… and if you financed your car, you’ll be covered for the difference between the market value that the insurer will pay-out, and the outstanding amount on your finance account, subject to the policy terms. Added to this, you can expect the claim to be paid out directly to you in a matter of days.

You’ll be comfortable knowing your Combined Return to Invoice Gap Insurance cover guarantees you:

Up to £50,000 gap cover
Covers cash and financed vehicle purchases
Gap protection for up to 4 years
30-day, no risk, money-back guarantee
Up to £250 towards motor insurance excess
Up to £1,500 in dealer-fitted accessories
Cover for any driver named at no extra cost
Cover if your vehicle is stolen with the keys

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