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What is Combined Return to Invoice (RTI) Gap Insurance?
When your car is written off or stolen, your motor insurer only pays the market value at the time of loss. This often creates a shortfall of thousands of pounds between the payout and either the original purchase price or your outstanding finance balance.
Click4Gap Combined Return to Invoice (RTI) Gap Insurance closes that gap.
- If you paid cash, it covers the difference between the original purchase price and the market value your motor insurer pays.
- If you financed the vehicle, it covers the higher of: the outstanding finance balance or the original purchase price, minus the motor insurer’s settlement (subject to policy terms).
Key Guarantees of Click4Gap Combined RTI Gap Insurance
- Up to £75,000 shortfall cover for both cash and financed purchases
- Gap protection for up to 4 years
- 30-day no-risk money-back guarantee
Additional Benefits
- Up to £500 towards your motor insurance excess
- Up to £1,500 for dealer-fitted accessories
- Fast claims settlement paid directly to you, typically within days
Click4Gap Combined RTI Gap Insurance protects you against depreciation so you can replace your vehicle without facing a large unexpected shortfall.
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 0203 921 0626 during office hours.
Click4Gap provides the best Return to Invoice Gap Insurance
Here are just some of the reasons to choose Click4Gap for your Gap Insurance:
How we treat you
We’re totally committed to the principals of Treating our Customers Fairly. Whether it’s how we design our products, to putting our customers first in delivering service and managing claims, our goal is to ensure we provide you with clear and transparent information, so you’re empowered to make decisions based on what is right for you. You can see here, how much our customers appreciate that we go the extra mile for them.
How we help you
Our friendly and helpful UK-based Customer Service team are always on hand to answer your questions during office hours. We also have real people ready and willing to help you on our website through our live chat function (you’ll find the link at the bottom right of the web page). Their focus is always entirely on you, to understand your needs and to make sure they can help you to find the right solution.
How you can have confidence in our standards
You can always be assured that we hold ourselves to the very highest standards through being regulated and authorised by the Financial Conduct Authority. To be registered with the FCA we must first prove that we meet their stringent requirements, and then continue to follow the rules and standards put in place, in order to maintain our registration.
How we give you stress-free claims management
You take out your policy with us, so that in the event you have to claim you’ll know we have you covered. That’s why we’ve appointed our specialist claims management partner, AutoProtect (MBI) Ltd. Their qualified and experience technical claims team will manage your claim effectively and efficiently, to make sure they keep the process as stress free as possible, and to settle your claim quickly so you can get on with your life.
But don’t just take our word for it. See 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 FAQs
How does Return To Invoice Gap cover work?
Return to Invoice Gap Insurance (also called Combined RTI Gap cover) protects you against the shortfall that arises when your car is written off or stolen. Your motor insurer only pays the market value at the time of loss, which is usually far lower than what you originally paid or still owe.
Example 1: Cash Purchase
You buy a car for £16,500 in cash.
A year later it is written off and your motor insurer pays the market value of £11,200.
Without Gap Insurance you face a shortfall of £5,300 — and still need to fund a replacement vehicle.
With Click4Gap Combined RTI Gap Insurance this shortfall is covered (subject to policy terms). You also receive:
- Up to £1,500 for dealer-fitted accessories
- Up to £500 towards your motor insurance excess
Example 2: Financed Purchase
You buy the same car for £16,500 on finance.
A year later the outstanding finance balance (including interest and charges) has risen to £17,000.
Your motor insurer still pays only the market value of £11,200, leaving a shortfall of £5,800.
Click4Gap Combined RTI Gap Insurance covers this shortfall up to a maximum of £75,000, plus the same additional benefits:
- Up to £500 towards your motor insurance excess
- Up to £1,500 for dealer-fitted accessories
In both cases, the policy pays the difference so you are not left out of pocket and can replace your vehicle without a large unexpected bill.
Is Return To Invoice Gap cover worth it?
For drivers, Return to Invoice (RTI) Gap Insurance is worth it because it covers the financial shortfall that standard motor insurance does not.
When your car is written off or stolen, your motor insurer only pays the current market value at the time of loss. This is often thousands of pounds less than the price you originally paid — and the gap can be even larger if the vehicle is financed, once interest and early settlement charges are included.
Cars can depreciate by as much as 60% within the first three years. Without Gap cover, that depreciation can leave you significantly out of pocket and make replacing the vehicle far more difficult.
Click4Gap Combined Return to Invoice Gap Insurance pays the difference between your motor insurer’s settlement and either:
- The original purchase price (if you paid cash), or
- The higher of the original purchase price or outstanding finance balance (if the car is financed).
This protection puts you back in a similar financial position to when you first bought the car, making it a relatively small cost for significant peace of mind.
Do I need Return to Invoice Gap Cover?
Gap cover isn’t required by law like motor insurance, but in the event your car is stolen or written off, it could be a financial lifesaver. Without a Gap policy to pay out the shortfall between the market value at the time of loss and what your car cost you, or the outstanding balance on your finance account, you’d be left footing the bill for what could amount to thousands of pounds.
Check the benefits in the policy wording below and see if this is cover you can afford to be without.
Can I get Gap Insurance if I bought my car with a finance agreement?
Combined Return to Invoice Gap Insurance from Click4Gap is especially designed to cover you if you financed your car, by covering the shortfall between what your insurer pays out, and the outstanding balance on your finance account at the time of loss. With interest and other charges, this could run into thousands, and save you from the worry of having to pay this off yourself.
Can I get Gap Insurance if I paid cash for my car?
Combined Return to Invoice Gap cover will protect you if you paid cash for your car, by paying your valid claim directly to you, covering the gap between the motor insurer pay-out and the purchase value of your car. This would leave you in the same position you were in before you bought the car, and able to look forward to finding a suitable replacement.
Do I need Gap cover if I have motor insurance?
Certainly your motor insurance will cover the market value of your car at the time it was stolen or written off, but this could leave you with a considerable shortfall as a result of depreciation, or the addition of interest and early settlement costs. This is where Gap cover comes in. Your Combined RTI Gap policy will make up this difference, paid directly to you. This is a financial decision you may well want to 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 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 policy should either be in the name of the vehicle 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 your payment is received.
- You can choose to pay with our convenient monthly payment plan. This means you’ll make 12 monthly payments. 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 cover me if I’m at fault?
As long as you have motor insurance cover and your insurer declares your car a total loss, you will be covered by your Gap Insurance irrespective of whether you are at fault or not.
You can check out the terms and conditions for full 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 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.