Great cover for both New and Used cars
Click4Gap RTI is available whether you borrowed money from a bank or Motor Loan or paid cash, or even chose Contract Hire or a Leasing agreement.
If your car was paid for using a bank or finance house loan or simply paid cash or if you are leasing a car, RTI GAP insurance protects you against depreciation if your car's stolen and not recovered or damaged beyond economical or safe repair and your motor insurer declares it to be a total loss.
Get back the purchase value not just the loss value
If your motor insurer declares your car to be a "total loss" through accident, vandalism or theft, it's really important to understand that they typically only pay the loss value, the value of the car on the date it was declared a total loss not the invoice price (purchase value), what it was worth when you purchased GAP.
Now the good news! If this happens a Click4Gap Return to Invoice Gap Insurance policy will pay the discrepancy between the invoice price (purchase value) and the car's loss value... it's that simple!
To make certain the benefit due to you is fairly and independently calculated, like all responsible insurers Click4Gap uses the independent third party valuation of Glass's for correct purchase and loss valuations. Glass's Guide has been the motor and insurance industries principle car valuation service for almost 75 years. Like all responsible Gap providers, should the purchase value or loss be called into question, we would refer to the Glass's retail value.