Return To Invoice Gap Insurance

In the event of your vehicle being declared a total loss, Return to Invoice (RTI) or Back to Invoice Gap Insurance pays the difference between the motor insurer’s settlement and the purchase price paid for your vehicle.

If you bought your vehicle under a finance agreement (except where the policy is transferred) and the outstanding balance at the point of total loss is greater than the original purchase price, RTI Gap Insurance will pay the difference between the vehicle’s current market value and the remaining finance balance.

Cover will include up to a maximum of £250 motor insurance excess.

  • Covers new and used cars and vans
  • Policies from 1 to 5 years
  • 30-day money back guarantee
  • Unlimited claim limits on vehicles up to £50k
  • Covers insurance excess up to £250
  • Covers all drivers on your insurance policy
  • Free transferable cover
  • Settles finance agreements

Why choose Direct Gap for RTI Gap Insurance in the UK

Here are just some of the reasons why you should come to us for your Return to Invoice Gap Insurance:

•  Knowledge: Our team are experts in cars, motor finance and Gap Insurance and all our claims are dealt with in-house, so you’ll never have to worry about being passed around a call centre.

•  Integrity: Our team do not make any commission from the sale of RTI Gap Insurance policies; they’ll always look out for your best interests.

•  Responsibility: We’re fully regulated by the Financial Conduct Authority so rest assured you’re dealing with a wholly reputable provider of Gap Insurance.

•  Flexibility: We understand that all our customers’ needs are different, which is why we’ll do everything we can to tailor an RTI Gap Insurance policy to suit you perfectly.

•  Service: Our 5-star Feefo rating and the glowing reviews below show how highly our customers value what we do for them.


  • Vehicle Cost:


  • Car Insurance Pays:


  • Gap pays:


With Gap Insurance you get back the full £20,000 purchase price of the vehicle!

  • Vehicle Cost:


  • Motor insurance pays:


  • Gap pays:


You receive £20,000 in total.  The finance company are owed £17,000.

You keep the £3,000 balance after the finance has been settled.

See what our customers are saying about us

Darren 16 Nov 2017


Easy to quote, £645 cheaper than dealer and a more comprehemsive policy.

Marcus Hudson 23 May 2021


After shopping around and trying different sites this one I found was the best laid out . Very clear and easy to understand , site not crashing on you as you progressed . Price was very reasonable and had a number of choices…

Paul Wilkins 31 Jul 2017


Incredibly easy to use and simple to choose the right policy. Extremely competitive quote too!! Will come back again!!

George Whipp 25 Jul 2019


Great, Cheap and Easy. Makes a change for insurance!!

David Carrier 8 Sep 2021


well explained and simple to navigate

Steve Haywood 18 Dec 2013


Very clear wording, much cheaper than the insurers / dealers.

Andrew Harding 4 Jan 2018


Well laid out, very informative and easy to use, alot cheaper than Renault's price even after they had discounted theirs.

paul deakins 23 Oct 2015


very simple process friend told me about it as he just had a accident and car written off he over the moon hopefully I will never have to use it.

raymond ruttledge 21 Nov 2021


easy to set up

S Glover 17 Dec 2013


Nice to deal with a company you can trust and gives honest advice

MARK 19 Sep 2016


Easy, simply worded, fantastic price...highly recommended!

donna osman 5 Sep 2021


Very reasonable price and easy to purchase policy

josephine milewski 27 Nov 2019


very easy to use site, I did try Admiral but spent ages waiting on the phone, so I saw this page on the web. lots good reviews. I hope I won't need to use this but peace of mind. If I ever need to use this I will give more…

Victoria Duncan 2 Nov 2015


Excellent great price and wish I had known about return to invoice before

Dr M Patel 17 Dec 2013


Excellent service. Good telephone manners of staff members. Good value.

Nichola Mortimer 18 Oct 2019


Very easy to follow, best quote on line.

Michael Lovelady 30 Jul 2021


Competitive, easy to complete application. Phone call to clarify a specific issue dealt with promptly and effectively.

Martin Walsh 8 Apr 2021


I think the service was very easy to use and seems to fit with the type of policy I have been looking for so far so good thanks Martin.

Stephen Smith 19 May 2014


Easy to find on the internet, easy procedure to get quotations and easy completion process. Downloaded documents straight away which was great.

James Hancox 13 Mar 2014


good rates and very easy to purchase

dawn hutchinson 18 Dec 2013


Recommended to me by car sales rep as good prices and easy website to use.

Richard Riccalton 11 Nov 2017


Most cost effective quote among approx 4 quotes I obtained. Also liked the fact that claim limit is unlimited, whereas most quotes asked me to state a limit, which then becomes a bit of a guess.

Christopher Osborne 23 Apr 2021


Easy website to navigate.Clear examples of how each policy works.Very competitive price.

kath taylor 11 Apr 2014


easy to use website clear and concise

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What is RTI Gap Insurance?

Return to Invoice Gap Insurance offers priceless peace of mind in the event of your vehicle being stolen or written off in an accident. Should your car be declared a total loss, this policy covers the difference between the settlement you receive from your motor insurer and the price you paid to buy your vehicle in the first place.

The value of your car at the time of being written off will be different to when you first bought it. Your motor insurance company will offer you a settlement in line with its current worth, rather than its value when you made the purchase.

If you purchased your vehicle under a finance agreement (except where the policy is transferred) and the outstanding balance at the point of total loss is greater than the original purchase price, RTI Gap Insurance can help you. It will pay the difference between the current market value of the vehicle and the finance balance still due to be paid.

Cover will include up to a maximum of £250 motor insurance excess.

Get a quote.

How does RTI Gap Insurance work?

Let’s say that you paid £20,000 for your car. However, at the point where it was declared a total loss, its value had depreciated over time to £12,000. That is the sum that you will receive from your motor insurance company, leaving you £8,000 short of your original investment – a substantial amount by most people’s standards. But by taking out a Back to Invoice Gap Insurance policy with Direct Gap, you’ll have ensured your finances remain protected, as we’ll cover the £8,000 deficit.

Alternatively, let’s say that you bought your car for £10,000 under a finance agreement, and the details of that deal meant you were going to be paying back a total of £12,000 once interest payments have been taken into account. Now let’s say that the value of your vehicle when it was declared a total loss was £7,000. That leaves you with a £5,000 shortfall to make up, which will be covered by your RTI Gap Insurance.

Do I need RTI Gap Insurance?

You are not obligated to take out Return to Invoice Gap Insurance – it’s not a legal requirement like standard motor insurance. But as you can see from the examples above, it could prove a sensible financial decision if the worst were to happen to your car.

If your vehicle was stolen or written off and you had no cover in the form of an RTI policy, you could be left significantly out of pocket, or with a large amount left to pay on your finance agreement.

As with any policy, it’s always worth carefully reading through the terms and conditions of your motor insurance documents. If your car is new, some insurers may offer you a replacement vehicle within the first 12 months of ownership. In that situation, you could opt to defer the start of your RTI Gap Insurance policy until your vehicle is one year old.

Is RTI Gap Insurance worth it?

Return to Invoice Gap Insurance can prove especially worthwhile if you’ve bought a brand new car that may lose value quickly over time. Studies show that cars can depreciate by as much as 60% within the first three years, which could leave you significantly out of pocket if your vehicle were to be declared a total loss.

If that were to happen, your motor insurer’s settlement will be paid in line with the car’s value at that time, rather than in relation to its purchase price. That difference could run into many thousands of pounds, leaving you to pay off a vehicle that you can no longer drive.

Nobody wants to be put in that position, and with our RTI Gap Insurance quotes starting from just £89, we believe it’s a small price to pay for that financial protection and all-important peace of mind.

Get a quote.

Can I get RTI Gap Insurance if I bought my car on finance?

Yes, Return to Invoice Gap Insuranceis available to those who purchase their cars by way of a finance agreement. If your vehicle is written off and the outstanding balance is greater than the initial purchase price, your policy will cover that difference and release you from the finance contract. This excludes negative equity carried forward from any previous finance agreement and arrears on the contract.

I have new-for-old cover for 12 months on my motor insurance. Can I defer my Return to Invoice Gap Insurance policy?

Yes, you can defer the start date for up to a maximum of 12 months but the cover must be taken within 180 days of purchasing the vehicle. The policy start date must not exceed the anniversary of the vehicle’s first registration. It is entirely your responsibility to ensure that you have the appropriate cover provided by your motor insurer during the first 12 months.

Can this policy be transferred to a replacement vehicle?

Yes, you can make one transfer during the period of insurance. If you sell your vehicle, provided that no claim has been made under the policy, you may transfer the remaining cover to the replacement vehicle, subject to our agreement. No fee will apply for this transfer.

A new schedule will be issued confirming the replacement vehicle details. Where the new vehicle is deemed to be of a higher value, an additional premium may be required. Cover will not include any refinancing.

In the event of bereavement, the remaining benefits of the RTI Gap Insurance may be transferred to the policyholder's spouse or partner.

Does RTI Gap Insurance cover me if I’m at fault?

Yes, Back to Invoice Gap Insurance will still cover you even if the incident that caused your vehicle to be declared a total loss was your fault. However, exclusions apply if the driver is under the influence of alcohol or non-prescription drugs or involved in illegal activity, fraud or an act of wilful negligence. Please carefully read through the terms and conditions of your policy wording for a full listing.

Do I need RTI Gap Insurance as well as motor insurance?

Taking out Return to Invoice Gap Insurance is not an obligation, but it could prove to be a shrewd financial decision in the event of your vehicle being declared a total loss. That’s because the settlement you receive from your motor insurance company will be in line with the car’s value at that time and therefore you would only regain a proportion of the original purchase price.

Our RTI Gap Insurance quotes start from just £89 and it means you’ll be covered for up to the initial value of the vehicle, so it may be worth considering as an additional option to your standard car insurance.

Get a quote.

What is total loss?

Only your insurer can declare the vehicle a total loss. In most cases, this will result from accidental damage, your fault or third-party fault, fire, theft or vandalism.

Total loss means that you have claimed under your motor insurance, your claim has been agreed, your vehicle has been forfeited (title of the vehicle transferred to the motor insurer) and a payment made following the incident.

How do I claim on my Return to Invoice Gap Insurance?

You can claim on your RTI Gap Insurance once your vehicle has been declared a total loss by your motor insurer. The process will then follow these steps:

  1. Call the claims line on 01422 756100.
  2. Fill out the claims form.
  3. The relevant paperwork will be checked.
  4. Your money will be issued to you by bank transfer.

For further information, check out our guide to claiming on your Gap Insurance policy.

How do I get a Return to Invoice Gap Insurance quote?

We want to make your life as easy as possible. That’s why getting an RTI Gap Insurance quote is perfectly straightforward. All you have to do is enter your vehicle’s cost and the length of policy you’d like to take out. Once that’s done, you’ll have your estimate almost instantly. If you hit ‘Buy Now’, you’ll see exactly what is covered by your policy.

Get a quote.

Can I cancel my RTI Gap Insurance?

Yes, if you wish to cancel your policy then you may do so. To be entitled to a full refund you usually have to cancel within 14 days, but here at Direct Gap, we offer a 30-day grace period. After those 30 days are up, you’ll be charged a £35 cancellation fee and refunded on a pro-rata basis.

How long can I have owned the vehicle for and still buy the policy?

Our Return to Invoice Gap Insurance can be purchased as long as you have owned the vehicle for less than 180 days.

Whose name should the policy be in?

The policy should always be in the name of the owner/hirer or registered keeper of the vehicle.

Does RTI Gap Insurance cover my motor policy excess?

Yes, up to £250 in the event of a total loss claim.

Does RTI Gap Insurance cover me for theft of vehicle with keys?

Yes, you are covered when keys are stolen from your home or office which results in vehicle theft. However, you must exercise due diligence and take appropriate steps to safeguard both the keys and the vehicle.

No insurer, including your motor insurer, will provide cover for wilful negligence – such as when the vehicle is stolen as a result of you leaving the keys in the vehicle while you pay for fuel.

Why would this policy not pay out?

The main exclusions on an RTI Gap Insurance policy are when the vehicle becomes a total loss as a result of:

  • The driver being under the influence of non-prescription drugs or alcohol
  • Illegal activity
  • Fraud or an act of wilful negligence

Please see your policy wording for a full list of exclusions.

What is the vehicle purchase price that I should use to calculate the cost of the policy?

The purchase price is the price of your vehicle, as confirmed in the sales invoice which includes factory-fitted accessories and dealer-fitted options up to £1,500 and paintwork protection systems up to £250.

You should exclude all deposit allowances, discounts, rebates, concessions, cashbacks, incentives and contributions. Also exclude new vehicle registration fees, road fund licence fee, number plates, warranty costs, insurance premiums, fuel and other extras, arrears or negative equity.

Who is the insurer of this policy?

The insurer is Acasta European Insurance Company Limited, (registered no. 96218), which is authorised and regulated by the Gibraltar Financial Services Commission. The insurer is subject to regulation by the Financial Conduct Authority and Prudential Regulation Authority for the conduct of UK business.

The insurer is also covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if the insurer cannot complete their obligations. This depends on the type of business and the circumstances of the claim. For claims against insurers, 90% of the claim is covered with no upper limit.

What is the claim limit?

The claim limit is the difference between your motor insurer’s settlement at the point of total loss and the original purchase price OR the amount needed to settle the finance shortfall, whichever is greater.

Can anyone drive my vehicle and still be covered by my RTI Gap Insurance?

Yes, Return to Invoice Gap Insurance will include all drivers provided that they are covered on your comprehensive motor insurance policy to drive the vehicle as a named driver.

Am I covered to drive my vehicle abroad?

As well as the UK, your Return to Invoice Gap Insurance covers you in the Isle of Man, the Channel Islands and member countries of the European Community and any other country for which an International Motor Insurance Certificate (Green Card) is effective on your vehicle at the point of total loss up to 120 days in any one trip.

How do I pay for my Return to Invoice Gap Insurance?

You can pay for your Back to Invoice Gap Insurance in one of two ways. You can do so through a single payment with the use of a credit/debit card or we can arrange for instalments over 12 months. Please note that the payments are collected by a third-party agency and a small administration fee applies.

Is this a one off or annual payment?

It can either be a single, one-off payment with the use of a credit/debit card without any card charges, or alternatively we can arrange for credit payments over 12 months. Please note that the payments are collected by a third-party agency and a small administration fee applies.

Why is Direct Gap so much cheaper than motor dealers quote?

We are an internet-based provider and as such we have lower overheads than motor dealers. As a result of the high volume of Gap Insurance that we sell annually, we can provide quality policies at the keenest prices.

You can be confident that our prices are lower than those quoted by dealers and many other websites. Paying less than you have been quoted elsewhere in no way means that you are buying an inferior product, it just means that they are making more profit from your purchase!

Get a quote.

When and how do I receive my policy documents?

Policy documents together with confirmation of payment are sent by email as soon as you make the payment.



This page was last updated on 12th July 2021.

How old can my car be to buy Return to Invoice Gap Insurance?

We can provide cover on vehicles up to 10 years old.