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Combined GAP and RTI Insurance

Due to accident, fire or theft, you motor insurance company declares your vehicle a write-off? What’s more its depreciation in value leads them to pay out less than the vehicle was originally worth.

What if you used a finance agreement to buy a vehicle that’s declared a write-off, before they’ve paid back all they owe? You may have to continue making monthly payments on a vehicle you no longer own.

Whether you paid outright, or made a finance agreement, you can be covered fully with Combined Guaranteed Asset Protection.

How does it work?

Cash purchases (RTI Insurance) - You paid £26,000 outright for your car and the motor insurance payout is £14,000. RTI can pay up to the difference of £12,000 to top it up to the original £26,000.

Finance purchases (GAP Insurance) - You financed your vehicle at £26,000 and your motor insurance pay out is £14,000 and their outstanding finance payment was £17,000. Finance GAP insurance may payout up to £3,000.

Combined Guaranteed Asset Protection will payout the greater of the Finance GAP or RTI amount. It’s that simple!


  • Incorporates Return to Invoice Cover (RTI) and Guaranteed Asset Protection (or GAP).
  • RTI Cover could reimburse any difference between the road risk insurance settlement and original vehicle price.
  • GAP is suited to customers taking out a finance agreement and may pay the difference between the road risk insurance settlement and the amount you still owe.
  • Combined GAP and RTI insurance could pay out the greater of either the RTI or GAP pay-out, protecting you whatever your circumstance.
  • Meets the ABI code of practice.
  • Transferable.
  • Cancellable.