Return to Invoice GAP Insurance

  • In the event of your vehicle being written off, Return to Invoice (RTI) will make up the difference between the amount you receive from your insurer and the amount initially paid for your vehicle
  • Consider RTI GAP insurance in addition to your standard car insurance when you buy a new vehicle
  • Compare the leading RTI GAP insurance brands and get a quote today
4 products found
  • MotorEasy logo

    MotorEasy GAP Insurance

    • Vehicles Covered
    • Max Vehicle Value
      £75,000
    • Max Vehicle Age
      10 years
    • Max Mileage
      100,000
    • Max Claims Limit
      Vehicle value up to £50,000 (Includes outstanding finance)
  • Ping Insure logo

    Ping Insure GAP Insurance (Over 21s only)

    • Vehicles Covered
    • Max Vehicle Value
      £75,000
    • Max Vehicle Age
      10 years
    • Max Mileage
      100,000
    • Max Claims Limit
      Unlimited (Includes outstanding finance)
  • ALA Insurance logo

    ALA GAP Insurance

    • Vehicles Covered
    • Max Vehicle Value
      £124,999
    • Max Vehicle Age
      10 years
    • Max Mileage
      No limit
    • Max Claims Limit
      £50,000 (£37,500 for Motorhome) (Includes outstanding finance)
  • Click4Gap logo

    Click4GAP GAP Insurance

    • Vehicles Covered
    • Max Vehicle Value
      £50,000
    • Max Vehicle Age
      7 years
    • Max Mileage
      80,000
    • Max Claims Limit
      £25,000

Our comparison service features a selection of providers from whom we receive commission. This table is initially ordered according to our commercial arrangements. Use the drop down menu at the top of the page to order by other criteria.

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Last updated on 25 November 2020.

Return to Invoice (RTI) GAP Insurance FAQ

What is Return to Invoice GAP insurance?

Return to Invoice (RTI) is a popular form of GAP insurance that, should your car be written off, will make up the difference between the amount you receive from your car insurer and the amount you initially paid for your vehicle.

So, if you paid £14,000 for your new car but your car insurer only paid out the current market value of £8,000, RTI GAP insurance would make up the £6,000 shortfall.

How does Return to Invoice GAP insurance work?

When you buy your new vehicle, you can purchase RTI GAP insurance in addition to your standard car insurance. To get Return to Invoice GAP insurance you will typically have to take out a policy within a certain time period of purchasing your car. This time limit will depend on the terms of each insurer.

If your vehicle is declared a total loss by your car insurer, you should contact your GAP insurer to start the process of making a claim. They will determine the difference between your car insurance payout (which will cover the market value of the car at the time of write-off) and the amount you paid for the car and, after all the necessary checks, will pay out the shortfall if your claim is successful.

How can I compare Return to Invoice GAP insurance on a comparison site?

There are a range of insurers offering Return to Invoice GAP insurance, each with their own different terms. You can compare a variety of providers on our comparison tables to find the most suitable option for you, looking at costs, the duration of the policies, exclusions, and other key features.

How can I find the best Return to Invoice GAP insurance for me?

To find the most suitable Return to Invoice GAP insurance policy, you should research different providers to find the cover that best meets your requirements. You will need to consider whether you’re wanting to get cover for a new or used car, how much your car is worth, how long you want cover for, the cost of the cover, and your own preferences and financial situation.

Should I get Return to Invoice GAP insurance?

It’s up to you if you get Return to Invoice GAP insurance. It is not a legal requirement, but it can be useful if you have a new car that will significantly depreciate in value. If you would want to replace your vehicle with a brand-new car and wouldn’t be able to afford this without the GAP insurance payout, then you may want to consider getting this cover.

Can I get Return to Invoice GAP insurance for a car on finance?

You will often be able to purchase Return to Invoice GAP insurance if you bought your car on finance, although you would need to check the terms of each insurer. In this instance, RTI GAP insurance would pay off any outstanding finance, and you would receive any surplus left over.

Can I get Return to Invoice GAP insurance for a used car?

Although many people that take out Return to Invoice GAP insurance will do so when purchasing a brand-new car, as this is most at risk of losing its value, it can also be taken out to cover second-hand vehicles as long as they meet the insurer’s criteria. However, it is worth checking the terms of each insurer as some insurers may only offer cover to new vehicles.

Do I have to purchase a car from a dealer to get Return to Invoice GAP insurance?

This will depend on the provider. Some GAP insurers will require an invoice from a registered dealer in order to offer you a Return to Invoice GAP insurance policy. However, there may be some providers that will offer cover if you purchase from a private seller.

If you bought a car from a private seller and can’t find a suitable RTI GAP insurance policy, you could look into Return to Value GAP insurance policies instead.

What about if I have new car replacement cover on my car insurance policy?

If you have a brand-new car, some car insurers will include a 12-month new car replacement (or new for old) cover in their policy. In this instance, you could choose to defer your Return to Invoice GAP insurance for 12 months, although you would normally still need to take out the policy within a certain number of days of purchasing your car.