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Frequently Asked Questions

Which policy should I buy if my car was purchased on finance?

Return To Invoice Insurance (RTI) and Vehicle Replacement Insurance (VRI) would both be suitable if your car was purchased on finance.

If your car was written off then RTI would pay the difference between the motor insurer’s settlement and the purchase price of your car. RTI can be purchased if your car is brand new or up to 7 years old, and was purchased less than 3 months ago. The car can be purchased on a purchased based finance arrangement (Hire Purchase or Personal Contract Purchase), personal loan, lease, contract hire or paid for in cash. RTI is available for up to 4 years and with a maximum claim limit of up to £25,000. The claim settlement in full is paid directly to you.

VRI will pay the difference between the motor insurer’s settlement and the cost of a brand new car matching the original specification. VRI can be purchased if your car is brand new or first registered under 3 months ago. The car can be paid for in cash, purchased on a purchased based finance agreement (Hire Purchase or Personal Contract Purchase), or using a personal loan. 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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