Ideal cover for cars owned for up to 7 years
Click4Gap Return to Value (RTV) is gap insurance applicable for cars owned for more than 3 months and less than 7 years. Whether you paid cash, took out a bank or motor loan, or a Contract Hire Leasing agreement.
If you paid for your car using a bank or finance house loan, or if you leased a car or simply paid cash, Return to Value (RTV) Guaranteed Auto Protection provides protection against the depreciation of your car should your motor insurance company declare it a total loss (stolen, not recovered or damaged beyond economical or safe repair).
Reclaim the value of your car today
If your car is declared a "total loss", whether caused by vandalism, an accident, or theft, typically the motor insurer pays just the loss value, their assessed value of your car when declared a total loss, and not what it is worth today.
If this happens, Click4Gap Return to Value (RTV) Insurance pays the depreciation, the discrepancy between the value of your car when you purchased RTV and the car's value if declared a total loss... it's that simple!
To ensure the benefit due to you is calculated accurately and impartially, like most responsible insurers Click4Gap accepts the independent third party valuation of Glass's, recognised by the insurance and motor industries as the leading valuation service for cars for almost 75 years.