If your vehicle is written off or stolen, standard motor insurance usually only pays out the current market value, which can be thousands less than what you originally paid or still owe on finance. That’s where GAP Insurance (Guaranteed Asset Protection) comes in.
Chris Knott offers Return to Invoice (RTI) and Finance GAP Insurance to bridge that gap, covering the shortfall between your insurer’s payout and either the amount you paid for the car or the outstanding finance balance. It’s smart, affordable protection that ensures you’re not left out of pocket when the unexpected happens.
Excellent service from start to finish. The team took time to understand exactly what I needed and found me a great policy at a competitive price. Couldn't be happier with the whole experience.
Been with Chris Knott for over 5 years now. Easy renewal process and the team are always a pleasure to speak with. Proper UK-based advice you can actually trust.
After being let down by my previous insurer, Chris Knott made the whole process painless. Honest, straightforward, and friendly from the very first call. Highly recommend them.
Andy was brilliant - talked me through all the options clearly, no pressure, and found me a much better deal than the comparison sites. This is how insurance should be done.
I needed specialist cover for my classic Jaguar and Chris Knott sorted it quickly and at a great price. Really impressed with the level of knowledge and personal service.
Switched my home insurance after a recommendation from a friend. Very competitive premium and the whole thing was done in under 20 minutes. Very pleased with everything.
First-class service. I dealt with Emma who was patient, helpful and knew exactly what I needed for my thatched cottage. Got proper specialist cover, not a standard policy.
Genuinely good old-fashioned customer service. A real person who actually listens and helps you find the right cover. Wouldn't go anywhere else for my insurance now.
Had a claim last year and Chris Knott supported me throughout. Made a stressful situation much easier. Fair, fast, and professional - exactly what you want from a broker.
Renewed my multi-car policy today. Still the best value I've found anywhere and the team remembered me from last year. That personal touch really makes a difference.
Very helpful team, especially when I needed to add a modified vehicle to my policy. Talked me through everything and made sure I was properly covered. Excellent all round.
Chris Knott have been brilliant for my listed property - most insurers wouldn't touch it but they found me comprehensive cover at a sensible price. Grateful for their expertise.
Efficient, clear, and competitive. I ran through three comparison sites before calling Chris Knott and they beat them all. UK-based team made the whole thing painless.
Outstanding from start to finish. I've recommended Chris Knott to everyone I know - my parents, my sister, and even my colleagues. They never let anyone down.
The service is what sets Chris Knott apart. You get proper advice from people who understand insurance, not a script. Worth every penny and more.
Return to Invoice (RTI) Guaranteed Asset Protection (GAP) Insurance ensures you receive the price paid for your vehicle, or the value of the outstanding finance, in the event of a total loss claim (write-off).
In the event of a theft or a write-off, your insurer may only cover the market value of the vehicle. This is likely to be less than the amount you paid, owing to depreciation. Return to Invoice GAP Insurance allows you to recover the amount paid, so you can clear any remaining finance or buy a new vehicle.
Dive into our Knowledge Hub to explore easy-to-read articles on all things motor insurance - from breakdown cover and agreed value policies to the latest news, tips on excess, no-claims bonuses and more. It’s our way of empowering you with insight - because informed drivers make better coverage choices.
Once you’ve passed your driving test and saved up for your dream hot hatch car, it’s worth exploring your next...
Read More →
Hot hatches have long been one of the smartest ways to enjoy driving in the UK. They offer the excitement...
Read More →
Insurance documents can feel like they are written in another language. Between excess payments, underwriting decisions, and indemnity limits, understanding...
Read More →From classic cars to daily drivers, breakdown cover to multi-car policies, we arrange specialist motor insurance for every type of driver.
One broker, many kinds of cover - all handled by our UK-based team.
Home, landlord, holiday home, listed buildings, thatched properties and places of worship.
Explore
Liability, professional indemnity, shop insurance, fleet cover and business interruption.
Explore
Annual, single trip, medical conditions and group travel cover for UK and overseas.
Explore
Charity, church, dog business, allotment and place of worship insurance from specialists.
ExploreEvery page is written and fact-checked by our UK-based insurance specialists. Chris Knott Insurance has been arranging cover since 1983.
Every rti finance/gap insurance policy is different. Speak to our specialist UK-based team and we'll arrange a quote that properly reflects your property and circumstances.
