Combination Return to Invoice GAP Insurance | QuoteMyGap

Combination Return to Invoice GAP

Protect Your Vehicle Investment

Don't let depreciation leave you out of pocket. Our Combination RTI policy covers the gap between your insurer's settlement and the original price you paid or your outstanding finance—whichever is higher.

What Does It Cover?

Your Investment, Protected

If you've purchased your vehicle from a dealer or internet car broker within the last 180 days, this type of GAP insurance is designed to protect your investment.

In the unfortunate event that your car is declared a total loss due to accident, theft, fire, or flood, your motor insurer will only pay out the current market value of the vehicle at the time of the claim.

As cars often depreciate quickly, this amount can be much lower than what you originally paid or still owe on finance.

How It Works

Bridging the Gap

With our policy in place, we’ll cover the shortfall by paying the difference between:

                        We Pay Whichever Is Higher:
                        The original invoice price you paid for your vehicle and your motor insurer's settlement
The amount required to settle any outstanding finance on the vehicle

                    

This means you won’t be left out of pocket if your insurer’s settlement isn’t enough to replace your car or clear your finance agreement. Instead, you’ll have the peace of mind of knowing you can get back on the road without a major financial setback.

*Subject to the terms and conditions of the policy.

Key Benefits of Combination RTI GAP

Maximum Protection

Covers the higher of either the original invoice price or outstanding finance, ensuring you're never left out of pocket.

Financial Peace of Mind

Protects against depreciation and ensures you can clear any outstanding finance if your vehicle is written off.

Flexible Coverage

Ideal for both cash purchases and financed vehicles, offering comprehensive protection regardless of how you bought your car.

Try Our Shortfall Calculator

See how much you need to bridge the gap

Vehicle Purchase Cost: £100

Car Insurance Pays £65

Gap Pays £35

Green overlay showing GAP insurance payout

Enter Your Vehicles Value

How Long have You Owned Your Vehicle?

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How Combination RTI Compares to Other GAP Types

Feature	Combination RTI	Standard RTI	Finance GAP
Covers original invoice price	✓	✓	✗
Covers outstanding finance	✓	✗	✓
Pays higher of the two amounts	✓	✗	✗
Suitable for cash purchases	✓	✓	✗
Suitable for financed vehicles	✓	✓	✓

Get Protected Today

Don't risk being out of pocket if your vehicle is written off. Get a quote for Combination Return to Invoice GAP insurance in minutes.

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Information

QuoteMyGap.com is a trading style of Rest Ashored Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA). Our Financial Services Register Number is 732530. You can check this on the FCA Register by visiting the FCA’s website at www.fca.org.uk/register or by contacting the FCA directly on 0800 111 6768. Rest Ashored Ltd is a company registered in England under Company Number 08179370.

GAP Insurance