What if?

Your car is declared a write-off due to an accident, fire or theft?

Cars depreciate as they age and your insurer will probably only pay out the current market value leaving you seriously out of pocket. This is a scenario faced by many motorists today. The shortfall could be a significant sum depending on the rate of depreciation of your vehicle.

Who will protect you against this financial loss?

Who will ensure you get back to the amount you originally paid for the car?

For peace of mind and for the protection, consider the cover RTI can offer.

How RTI works

Let’s say you paid £18,500 for your car and it is unfortunately stolen and not recovered. The motor insurance provider then declares it a total loss and they value your car at £12,000 using current market conditions. The RTI insurance may payout £6,500 to ensure you receive the total originally paid for your car - it’s as simple as that!

Significant benefits

  • Designed to protect the purchase price of your vehicle for up to 36 months.
  • Provides financial protection if you have paid for your vehicle outright.
  • May pay the difference between the amount paid out by the motor insurance provider and the invoice price of the vehicle.
  • Meets the ABI code of practice.
  • Transferable.
  • Cancellable.

GAP/RTI (Return to invoice) insurance pricing


Just £299 for cars up to £ 10,000 - 3 Years cover*

Just £349 for cars over £ 10,000 - 3 Years cover*


 * There is an additional cost of £100 should you wish to extend the cover to 4 years

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