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Frequently Asked Questions

Which policy should I buy if my car was paid for in cash?

Return To Invoice (RTI) Insurance and Vehicle Replacement Insurance (VRI) would both be suitable if your car was paid for in cash.

If your car was declared a total loss, RTI would pay the difference between the motor insurer’s settlement and the purchase price of your car.

If your car is brand new or up to 7 years old, and was purchased less than 3 months ago then your car would qualify for RTI cover.

Under RTI the car can be purchased using cash, a personal loan, lease, contract hire or on a purchased based finance agreement (Hire Purchase or Personal Contract Purchase). RTI is available for up to 4 years and with a maximum claim limit of up to £25,000. The claim settlement is paid directly to you in full.

VRI pays the difference between the motor insurer’s settlement and the cost of a brand new car matching the original specification.

Your car would qualify for VRI if it is brand new or was first registered less than 3 months ago.

Under VRI the car can be purchased using cash, a personal loan or purchased on a purchased based finance agreement (Hire Purchase or Personal Contract Purchase). Unfortunately, if the car was purchased using a lease agreement or contract hire then VRI is not currently available. VRI is available for up to 3 years and with a maximum claim limit of £25,000. Again the claim settlement in full is paid directly to you.




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