Return To Invoice (RTI) Insurance

What if your car is declared a write-off due to an accident, fire or theft? Now imagine discovering that your insurance company pay-out will not match the original price your paid for the car.

This is a scenario faced by many motorists today. Even if you are not liable, you are almost certain to find a shortfall between the amount you receive from your motor insurance provider and the price you originally paid. The shortfall could be a significant sum depending on the rate of depreciation of your vehicle.

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

How does it work?

Picture this scenario:

You purchase a car at £18,000 it gets written off following an accident or theft. Your car insurance then declare it as a total loss and send you a cheque for the current market value (at the time of the accident) which amounts to £12,000.

The RTI insurance may payout the £6,000 difference to ensure you receive the total you originally paid for your car - it’s as simple as that!


  • Designed to provide financial protection if you have taken out a finance agreement to fund the purchase of their car.
  • 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.
  • You can be covered for up to 3 years
  • We can arrange cover in the showroom - instantly
  • Meets the ABI code of practice.
  • Transferable.
  • Cancellable.