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Combined Return to Invoice Gap Insurance

Your Return To Invoice Gap Insurance cover means that if you paid cash for your car, you’ll be covered for the difference between the purchase value (what you paid for it when you bought it), and its market value at the time of the loss… and if you financed your car, you’ll be covered for the difference between the market value that the insurer will pay-out, and the outstanding amount on your finance account, subject to the policy terms. 

Your claim will typically be paid out to you directly in a matter of days.

Your Combined Return to Invoice Gap Insurance cover provides:

  • Up to £50,000 gap cover
  • 30-day, no risk, money-back guarantee
  • Up to £250 towards motor insurance excess
  • Up to £1,500 in dealer-fitted accessories
  • Cover for any driver named at no extra cost
  • Cover if your vehicle is stolen with the keys

You’ll find details of your cover in the policy documents below, please read them carefully:

Return To Invoice Gap Insurance Policy Wording

Return To Invoice Gap Insurance Product Information Document

If you’d like a copy of your existing policy wording, please email us at or call us on 0208 8193424 during office hours.

Gap Insurance Return To Invoice FAQs

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 that works best for you:


  • Download the AutoProtect App on your smartphone by searching “AutoProtect GAP”.


  • Text the word APAPP to 88802 and you’ll receive a download link via SMS (texts are charged at your standard network rate).

For more information, please click 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.

Combined RTI Policy Wording

Does my Gap policy pay for my motor insurance excess?

Your Click4Gap gap Insurance will cover up to £250 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. Combined RTI policy wording

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?

Red Sands Insurance Company (Europe) Limited, who are registered in Gibraltar (87598) and are licenced by the Gibraltar Financial Services Commission are the insurers of your policy.