Return to Value GAP Insurance

  • If your car gets written off, Return to Value GAP insurance (also known as Agreed Value GAP insurance) will cover the difference between your car insurance payout and the value of your car at the time of taking out the GAP insurance policy
  • Consider Return To Value GAP insurance for a vehicle you already own, or are looking to buy from a private seller
  • Compare the leading RTV GAP insurance brands and get a quote today
3 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
  • ALA Insurance logo

    ALA GAP Insurance

    • Vehicles Covered
    • Max Vehicle Value
      £124,999
    • Max Vehicle Age
      10 years
    • Max Mileage
      100,000
    • Max Claims Limit
      £25,000
  • 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 Value (RTV) GAP Insurance FAQ

What is Return to Value GAP insurance?

Return to Value (RTV) GAP insurance is also sometimes called Agreed Value GAP insurance. If your car gets written off, this type of GAP insurance will cover the difference between your car insurance payout and the value of your car at the time of taking out the GAP insurance policy, rather than the amount you initially paid for the car.

This type of cover may be suitable if you’re buying a car from a private seller, if you are wanting to get GAP insurance for a vehicle that you have owned for a while, or if you managed to purchase your car for below market value.

Drivers may be able to get Return to Value GAP insurance if they don’t qualify for Return to Invoice or Vehicle Replacement GAP insurance, if they have owned their car longer than the maximum allowable limit for example.

How does Return to Value GAP insurance work?

When you take out Return to Value GAP insurance, the value of your car will be independently verified by Glass’s Guide or similar industry experts. If your car is judged to be a write off by your car insurer, your GAP insurer should then make up the shortfall between what your car insurer pays out and the agreed value of your car at the time of taking out the policy.

For example, you may have purchased your car for £12,000, but by the time you take out your RTV GAP insurance policy your car is worth £10,000. If your car is written off and your car insurance pays out £6,000, then you should receive £4,000 from your GAP insurer.

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

It is a good idea to research and compare the features of different Return to Value GAP insurance policies offered by each provider, to make sure you get the appropriate levels of cover. You can assess and compare your options on comparison tables to see if there is a policy that meets your needs.

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

Before getting Return to Value GAP insurance, you should do plenty of research to determine if this kind of cover is right for you. If you decide it is, then you will need to look into the terms of the policies offered by different providers in order to find the best one that meets your circumstances.

Are there any restrictions on Return to Value GAP insurance?

There may be some restrictions related to Return to Value GAP insurance, although this will depend on individual insurers. For example, because this kind of policy can be used to cover second-hand and older cars, the car will often need to be within certain age and mileage limits.

As with all GAP insurance policies, you will only receive your payout after your car insurer certifies that your car has been written off or stolen and your standard claim has successfully been settled.