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Combined Return to Invoice Gap Insurance Plus
When your car is written off or stolen, your motor insurer will settle your claim based on the market value of your vehicle at the time of loss. This can leave you facing a shortfall of thousands of pounds, leaving you to wonder how you’ll ever manage to replace your car while still covering the remaining debt.
Click4Gap is a premier Return to Invoice (RTI) Gap Insurance provider in the UK, delivering fully insured protection for both you and your vehicle.
With our Combined RTI Gap Insurance Plus cover, if you purchased your car with cash, you’ll be safeguarded against the difference between its original purchase value and the market value at the time of loss— the amount your motor insurer will pay out. Alternatively, if your vehicle was financed, we’ll cover the gap between its market value and the outstanding balance on your finance agreement.
Your claim will be processed and paid out directly to you within days.
Your Combined RTI Gap Insurance Plus cover includes:
- Up to £75,000 shortfall gap cover
- Up to £1,500 for dealer-fitted accessories
- Up to £500 towards your comprehensive motor insurance excess
- Vehicle replacement allowance for up to 7 days for any covered claims
- No-fault incident benefit of £150, where the incident does not result in total loss
You’ll find full details in the policy documents below, please read them carefully:
If you’d like a copy of your existing policy wording, please email us at email@click4group.co.uk or call us on 0208 819 3424 during office hours.
Discover some compelling reasons to select Click4Gap
Here are just some of the reasons to choose Click4Gap for your Gap Insurance:
Our commitment to you
At Click4Gap, we are fully dedicated to the principles of Treating our Customers Fairly. From designing our products with your best interests in mind to prioritising your needs in service delivery and claims management, our aim is to provide clear, transparent information. This empowers you to make informed decisions that are best suited to your requirements. Our customers value our extra efforts on their behalf.
Supporting your needs
Our friendly and knowledgeable UK-based Customer Service team is available during office hours to address your queries. Additionally, our website features a live chat function (accessible via the bottom right of the page), staffed by real people eager to assist. Their focus is solely on understanding your requirements and guiding you towards the perfect solution.
Trust in our high standards
You can rely on our unwavering commitment to excellence, underpinned by our regulation and authorisation by the Financial Conduct Authority. To achieve and maintain FCA registration, we must meet rigorous standards and adhere to their ongoing rules, ensuring consistent reliability and quality.
Stress-free claims handling
When you choose Click4Gap, you’re opting for peace of mind with your policy. Should you need to claim, our specialist claims management partner, AutoProtect (MBI) Ltd, steps in. Their experienced and qualified technical team manages your claim with efficiency and care, minimising stress and ensuring swift settlement so you can move forward.
Don’t just take our word for it — hear what our customers have to say:
How Gap cover works for you
covered by your
motor insurer
Possible shortfall amount,
for your account
If you paid £25,000 cash for your car and a year or so later it’s declared a total loss, after your motor insurance pay-out you could have a shortfall of as much as £8,030. If you have Gap Insurance, this shortfall would be covered in total up to an amount of £75,000, subject to the policy terms, plus up to £1,500 for dealer-fitted accessories and £500 towards your motor insurance excess.
Gap Insurance Return To Invoice Plus FAQs
What is Combined Return to Invoice Gap Insurance Plus?
Whether you financed your car through a bank or loan, or paid for it outright with cash, Combined Return to Invoice (RTI) Gap Insurance offers protection against depreciation. This coverage safeguards you if your car is stolen or damaged beyond repair, and your motor insurer deems it a total loss.
Given that your car could lose up to 60% after 3 years, this significant depreciation could leave you facing a substantial shortfall, which you would need to cover to purchase a comparable vehicle.
Should this occur, your motor insurer will typically compensate you based on the market value of the car at the time it is declared a total loss, rather than the invoice price or original purchase value— the amount it was worth when you secured your Gap cover.
The good news is that a Click4Gap Combined Return to Invoice Plus policy will bridge this gap, covering the difference between the market value and the price you paid for the vehicle. Alternatively, if your car was financed, it will cover the shortfall between the market value paid out by your insurer and the remaining balance on your finance account.
Furthermore, your policy will include additional benefits: coverage for up to £500 of your motor insurance excess, protection for up to £1,500 worth of dealer-fitted accessories, a 7-day replacement vehicle allowance, and a £150 no-fault incident benefit.
How does Return To Invoice Gap cover work?
Let’s consider this example: Suppose you bought your car for £16,500 in cash, and at the time of loss, your motor insurer covers the market value of £11,200. This leaves you with a shortfall of £5,300, which you’d need to cover out of pocket, in addition to funding a replacement vehicle.
With RTI Gap Insurance Plus, however, this shortfall is covered, subject to the policy terms.
The scenario becomes even more challenging if you financed your car. If you initially paid £16,500, a year or so later — when it’s written off — the outstanding balance on your finance account could rise to £17,000 due to interest and additional charges. Your insurer would still only pay the market value, potentially as low as £11,200, resulting in a shortfall of up to £5,800!
With RTI Gap Insurance Plus in place, this shortfall is covered up to a maximum of £75,000, alongside list of additional benefits.
Is Return To Invoice Gap cover worth it?
Gap Insurance offers the crucial protection your motor insurer overlooks. When your car is declared a total loss, your insurer will settle based on its current market value at the time of loss, which could fall thousands of pounds short of the price you originally paid—or even more if you financed it, factoring in interest and additional charges.
Given that your vehicle could depreciate by as much as 60% in 3 years, this could severely impact your finances, making the purchase of a similar replacement difficult to attain.
Click4Gap’s Return to Invoice Plus Gap cover addresses this shortfall, reimbursing the difference to restore you to the financial position you held when you bought your car — a modest investment for such significant peace of mind.
Do I need Return To Invoice Plus Gap Cover?
Gap cover is not a legal requirement like motor insurance, but it can prove to be a financial lifeline if your car is stolen or written off. Without a Gap policy to bridge the difference between the market value at the time of loss and either the original cost of your car or the outstanding balance on your finance account, you could be responsible for covering a shortfall that might reach thousands of pounds.
Review the benefits outlined in the policy wording below to decide if this is coverage you can afford to go without.
Can I get Gap Insurance if I bought my car with a finance agreement?
Combined Return to Invoice Gap Insurance from Click4Gap is specifically tailored to protect you if your car was financed. It covers the shortfall between the amount your motor insurer pays out — based on the market value at the time of loss — and the outstanding balance on your finance account. With interest and additional charges potentially adding to a bill of thousands of pounds, this coverage relieves you from the burden of settling this amount out of pocket, providing essential financial peace of mind
Can I get Gap Insurance if I paid cash for my car?
Combined Return to Invoice Plus Gap cover provides protection if you paid cash for your car, ensuring your valid claim is paid directly to you. It covers the difference between the pay-out from your motor insurer — based on the market value at the time of loss — and the original purchase value of your vehicle. This puts you back in the financial position you held prior to the loss, enabling you to look for a suitable replacement with confidence.
Do I need Gap cover if I have motor insurance?
Your motor insurance will compensate you based on the market value of your vehicle at the time it is stolen or written off, however, this may result in a significant shortfall due to depreciation, as well as the addition of interest and early settlement fees. This is where Gap cover proves valuable. Your Combined RTI Plus Gap policy will bridge this difference, with the payment made directly to you. This is a financial option you may want to seriously consider.
What is total loss?
Your car is likely to be declared a total loss by your motor insurer if any of these events occurs:
- If your car is damaged in an accident, fire or flood, and the cost to repair it is close to, or more than its market value at the time of loss;
- Or, in the above instance, if your motor insurer decides that it can’t be safely repaired;
- Or if it’s stolen and not recovered.
How long after I purchase my car can I still get Gap cover?
You can get Gap Insurance Plus from Click4Gap up to 180 days after you buy your car, and there’s no age or mileage limit, after your policy start date.
Whose name should be on the policy?
A Combined RTI Gap Insurance Plus policy should be either in the name of the vehicle’s owner, or the registered keeper of the vehicle, or the named individual on the car’s finance agreement, whichever applies.
How do I pay for my Gap Insurance cover?
To make this as convenient for you as possible, we provide two ways in which you can pay for your cover:
- You can make one, single payment through your credit or debit card, and enjoy cover that will start immediately once your payment is received.
- You can choose to pay with our convenient monthly payment plan. This means you’ll make 12 payments, and your cover will start as soon as your first payment is received.
How do I claim on my Gap Insurance policy?
Our specialist claims managers, AutoProtect (MBI) Ltd. Have been appointed to provide you with an efficient and effective claim experience.
To register your claim, please follow the process described here.
Does Combined Return to Invoice Gap Insurance Plus cover me if I’m at fault?
Provided you maintain your motor insurance coverage and your insurer declares your car a total loss, your Gap Insurance will remain effective regardless of whether you are at fault.
You can review the full terms and conditions for complete details:
Does my Gap policy pay for my motor insurance excess?
Your Click4Gap gap Insurance will cover up to £500 of your motor insurer excess.
Will I be covered if my car is stolen with the keys?
If the keys are taken from a secure place such as inside your home or office, the total loss will still be covered. If the keys are left unsupervised in your car however, then the vehicle would not be a total loss under your motor insurance policy and your Gap cover would not apply.
When would my Gap cover not pay a claim?
Click4Gap pays all valid claims however, there are a few circumstances in which a claim will not be considered valid:
- If an uninsured person was allowed to drive the car
- The driver was under the influence of non-prescription drugs or alcohol
- The car was being used for illegal activity
- Instances of fraud or wilful negligence
Your policy document details the full list of exclusions.
What is the vehicle purchase value?
This is the price you paid for your car, including all the factory-fitted accessories, and after any discount and deposit paid, but excluding any registration fee, fuel, insurance premiums, service plan, delivery charges, paintwork and upholstery protection kit, insurance and warranty premiums you may have included, any finance arrears and associated costs, and any negative equity.
Can I cancel my Combined RTI Plus Gap cover?
In the event you decide this cover isn’t for you, you can cancel with a full premium refund during the first 30 days, so long as you haven’t made a claim, or don’t intend making one.
If you decide to cancel after the 30 days, you will be eligible for a pro rata refund, under the same conditions, less an administration fee of £35.
Who is the insurer of this policy?
Acasta Europe Insurance Company (Europe) Limited, who are registered in Gibraltar (87598) and are licensed by the Gibraltar Financial Services Commission, are the insurers of your policy.