Frequently Asked Questions

What is Return To Invoice GAP (RTI)?

In simple terms, RTI covers the depreciation of your car is it is written off. If you car is declared a total loss, RTI pays the difference between your Comprehensive Motor Insurance Policy settlement and the purchase value of your car. RTI cover is likely what your motor dealer offered to you when buying your car.


You purchased your vehicle for £16,000. Unfortunately, the car is declared a total loss and your motor insurer values the car at time of loss as only £10,000. This means you’re out of pocket by £6,000! Luckily you purchased a Click4GAP RTI policy, which means we send you a cheque for the balance of £6,000.

We pay the depreciation all the way back to the original purchase value, whereas your motor insurer doesn’t. Think of it as an exceptionally valuable top-up to your Motor Insurance.

Click4GAP policies are insurance backed and we are authorised and regulated by the Financial Conduct Authority (FCA).

The FCA was created by Government as an independent regulator to looks after the financial services industry and protects consumers.

You also benefit from the added protection of the Financial Services compensation Scheme (FSCS).

The FSCS is the UK’s legislative compensation scheme for customers of authorised financial services firms. It provides compensation to customers if a company ceases trading and is unable, or unlikely to be able, to pay claims against it.

use code MOB25