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GAP Insurance – Return to Invoice

Return to Invoice (RTI) GAP Insurance is a popular type of GAP cover which ensures you’re protected in the event of a write-off, covering you for the gap between what you paid for the vehicle or any outstanding finance and the insurer payout.


What is RTI GAP Insurance?

A lot of motorists don’t consider what a write-off to their vehicle really means - the finest insurers will only compensate you for the current market value of your car. However, as soon as you drive off the forecourt, your car will depreciate, typically by 60% in three years, leaving you out of pocket if the worst happens.

A Return to Invoice GAP Insurance policy tops up an insurance payout in the event of a write-off, providing the extra funds to purchase a replacement vehicle or pay off outstanding finance, depending on which amount is greater.

An RTI GAP policy covers new and used vehicles that have been purchased from a VAT registered dealer within the last six months. Used vehicles must be under ten years old and have fewer than 100,000 recorded miles. 

If you have purchased your vehicle under a lease agreement, the RTI policy will pay the difference between your insurer’s settlement and the lease early termination charge required by the lease company. Get a quote today for ultimate peace of mind.


RTI GAP Insurance features & benefits

  • The difference between what you paid and your insurance payout covered
  • Or any outstanding finance or leasing fees are covered
  • Avoid paying out in the event of a write-off
  • Up to £500 excess is covered
  • Coverage to suit you
  • Covers European road trips
  • Access to a free MotorEasy account full of discounts
  • Savings on MotorEasy maintenance and repairs


How does RTI GAP Insurance work?

RTI GAP will top up the difference between how much your insurer pays in the event of a write-off and the net invoice price you originally paid for your vehicle, or your outstanding finance or leasing fees - whichever is greater.


What does RTI GAP Insurance cover? 

  • Cover available for all cars up to 8 years old and 70,000 miles
  • New or used cars purchased within the last 6 months
  • Write-offs due to theft, accidental damage, fire damage and water damage
  • This policy covers the difference between your insurer’s payout and either the price you originally paid or the amount needed to settle your outstanding finance balance, whichever is the greater
  • Payment is up to Your Insured Vehicle Purchase Price. The maximum benefit payable is £50,000.
  • Up to £250 of your vehicle insurance policy excess
  • Factory and dealer fitted optional extras
  • Covers European road trips


Why choose MotorEasy for RTI GAP Insurance?

MotorEasy offers expert advice and competitive, flexible policies with options to suit all drivers. Prices are significantly cheaper than manufacturers and some of the most affordable on the market. We’re regulated by the FCA and have an impressive Excellent Trustpilot rating thanks to our satisfied customers.


RTI GAP Insurance FAQs

Check out the answers to the most common RTI GAP Insurance queries below or head to our comprehensive GAP guide or FAQs for more information.


What does RTI GAP mean?

RTI GAP is short for Return to Invoice Guaranteed Asset Protection. It means that you will have your insurance payout topped up to what you paid for your vehicle or alternatively, what you owe to a finance or leasing company, in the event your car is written off.


Who needs RTI GAP Insurance?

Motorists who want to be covered for the difference between the price of their vehicle and the insurance payout which will be based on the market value. Additionally, people on finance, PCP, PCH, HP or with a lease vehicle who are looking for peace of mind that their agreement will be settled in the event of a write-off.


Who is eligible for RTI GAP Insurance?

Cars acquired in the last six months that are under ten years old and with less than 100,000 are eligible for RTI GAP.


How do I make an RTI claim?

You should contact MotorEasy as soon as you think your car will be considered a write-off, before accepting any offers from your insurer. You’ll find your policy document in your MotorEasy account with all of the details on the claims process.


How much is RTI GAP Insurance?

RTI GAP cover depends on your specific vehicle and the particulars of your policy such as length and the voluntary excess. Policies start from as little as £4.13 a month (based on a 24 month plan). To get the best GAP insurance price, get a quote today.

Why would RTI GAP cover not payout?

RTI won’t payout in the event your vehicle isn’t considered a write off by your insurance or your insurance policy isn’t comprehensive. Additionally, if you’re using your vehicle outside “normal use”, it may not be covered.


Can I get RTI GAP Insurance on a used car?

Yes, you can get RTI GAP on cars purchased in the last six months which are under 8 years old and less than 70,000 miles.


Do you pay for RTI GAP monthly or annually?

MotorEasy offers flexible payment options including monthly and annual payments.


Can I get RTI GAP Insurance on a privately bought vehicle?

No, typically, you can only get RTI GAP if you purchased your vehicle from a VAT registered company or a finance or leasing company, However, RTV GAP Insurance is available for cars bought from private sellers.