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Return To Invoice (RTI) GAP Insurance

A Return To Invoice (RTI) GAP Insurance policy is, also commonly known as "Return To Value (RTV) GAP Insurance" or "Back To Invoice GAP Insurance". The financial GAP Insurance provided by will act as Return To Invoice GAP Insurance if you purchase your vehicle from a Motor Dealer and the GAP policy stats within 90 days of you taking ownership of the vehicle. During the period of the GAP Insurance it will protect the value of your car from purchase date until, the possibility of your car being "written off" or stolen.

Woman In Office

This means that if your vehicle is stolen or written off, you will get paid the difference between your original invoice purchase price and the "total loss" amount paid to you by your motor insurance company.

A RTI GAP Insurance Example:

1. Mrs. Adam purchases a vehicle (on finance, or cash) for £25,000.

2. At the same time, Mrs. Adam purchases GAP Insurance through

3. Some time later Mrs. Adam's vehicle is involved in an accident and declared written off by her motor insurance company.

4. Mrs. Adam has fully comprehensive insurance and is offered a 'Total Loss' payment of £14,000 leaving her out of pocket by £11,000.

5. Thanks to her GAP Insurance policy Mrs. Adam is covered for the full amount (£11,000) she would have been out of pocket without the policy.

Please Note:

The difference between Return To Invoice (RTI) GAP Insurance and Agreed Value GAP Insurance is based on the following:

For further explanation please see our What Does Our GAP Insurance Offer? page.

Is GAP Insurance Worth It?

No one can predict what the future holds and unfortunately accidents will happen. Did you know:

**Source: Association of Police Officer's Vehicle Crime Intelligence Service (April 2012)

***Source: PARKERS (April 2012)

* Calls to 0333 numbers are charged at the same rate as dialling a local or national number. If your fixed line or mobile service has inclusive minutes to local or national (01/02) numbers, then calls to 0333 are counted as part of this inclusive call volume.

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