Chris Knott Insurance brokers in Hastings, East Sussex     

RTI GAP Insurance Cover

Return to invoice insurance quote

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).

  • Available from £147 for 3 years’ cover
  • Covers new and used vehicles up to 10 years old or 100,000 miles
  • Suitable for vehicles worth up to £180,000
  • Reimburses up to £250 of Car Insurance Excess

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.

RTI Insurance Example

  • The original vehicle purchase price is £35,000.
  • Car Insurance pays £25,000 (the market value) in the event of a total loss.
  • RTI GAP Insurance pays out £10,000.

The GAP Insurance covers the difference in values, so you don’t end up out of pocket.

Simply call your insurer’s claims line in the event of an accident or theft.

Example of how Chris Knott's RTI GAP Insurance works.

GAP Insurance Cost

GAP cover from Chris Knott Insurance starts at just £147 for 3 years’ cover on vehicles less than 10 years old, with fewer than 100,000 miles on the clock.

Get a quote online for our 5-star Defaqto-rated RTI GAP Cover Insurance today. GAP cover must be arranged during the first 100 days of ownership.




* compulsory fields

Your Quote:


inclusive of IPT @ 12%


In brief, this cover plugs the difference between your insurance settlement figure and either the purchase price or the amount of any outstanding finance (whichever is greater) in the event of a total loss claim in the next 3 years. [More info...]



Vehicle Purchase Price:


Amount still owed on finance at time of loss:


Market-value insurance payout:


RTI/Finance GAP payout:


RESULT: You can clear the finance and start again on a new vehicle. The cover even refunds your motor claim excess up to £250.


Policy Summary

Policy Wording


NOTE: All vehicles must be under 10 years old and 100,000 miles at time of purchase of cover. This cover is not available for scooters, motorcycles or for commercial vehicles over 3500kg, kit-cars, invalid carriages, grey/parallel imports or vehicles not built for sale in the UK.









Daytime Tel: (inc STD)






Car Make:

Car Model:

Reg. No:

Net Invoice Selling Price (£):

This is the amount for the vehicle shown on your purchase invoice including any factory-fitted or dealer accessories and discount given but excluding any warranty, vehicle registration fee, insurance premiums, road fund licence, fuel and paintwork protection applications, any arrears or negative equity transferred from a previous agreement.

Current mileage:

Date of first registration:

Date of vehicle purchase:

Date cover required from:

Must be within 100 days of vehicle purchase

To prove you're human, please enter the letters, numbers and special characters EXACTLY as you see them here (CaSe Sensitive):





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Chris Knott Insurance is authorised and regulated by the Financial Conduct Authority (FCA Register No: 304452). Registered in England & Wales No. 2811031.
Registered address: 5th Floor, Cavendish House, Breeds Place, Hastings, East Sussex, TN34 3AA.