RTI Insurance

RTI Insurance will pay the difference between the amount paid by your insurance company, and the price you originally paid for the vehicle if for instance your car is stolen or written off.

What is Return To Invoice RTI Insurance?

RTI Insurance offers protective cover for new and used cars, and can be purchased regardless of whether you paid for your car using cash or a loan agreement.

Added Protection

RTI Insurance will provide you with added protection should your car be declared a "Total Loss".

Get back the amount you paid

RTI Insurance will pay you the difference between your Motor Insurers settlement and the original amount you paid for your car.

Why Do I Need Return To Invoice RTI Insurance?

RTI Insurance has a maximum amount that can be paid out, which is the original purchase or invoice price of your vehicle. For example, if your car cost £10,000 and is written off at a market value of £5,500, your insurance will only pay out £5,500, but your RTI Insurance will top up your payment to reach the value of your car, meaning it will pay out £4,500

Due to the nature of this product, we are unable to transfer RTI Insurance onto another person if you sell the vehicle, as it only covers the person or company who paid for the insurance whilst the car is under their ownership.

RTI Insurance will pay you the shortfall between Motor Insurance payout and invoice price

RTI Insurance will pay the difference between the amount paid by your insurance company, and the price you originally paid for the vehicle if for instance your car is stolen or written off.

RTI Insurance has a maximum amount that can be paid out, which is the original purchase or invoice price of your vehicle. For example, if your car is worth £10,000 and is written off at a market value of £5,500, your insurance will only pay out £5,500, but your RTI Insurance will top up your payment to reach the value of your car, meaning it will pay out £4,500

Due to the nature of this product, we are unable to transfer RTI Insurance onto another person if you sell the vehicle, as it only covers the person or company who paid for the insurance whilst the car is under their ownership.

Compare GAP, RTI & VRI Insurance

Insurance Description

Pays shortfall between motor insurers settlement & any remaining finance

Pays shortfall between motor insurance payout and invoice price

Replaces your car with a brand new equivalent model

When can I buy this type of RTI Insurance?

Up to 90 days after car purchase

Up to 90 days after car purchase

Up to 90 days after car purchase

How old can my car be?

Up to 7 years old

Up to 7 years old

Up to 7 years old

What is the maximum payout on this RTI insurance?

£25,000

£25,000

£25,000

How much is refunded if I cancel my policy within 21 days?

Full refund

Full refund

Full refund

Maximum term of cover available?

4 years

4 years

3 years

Maximum Vehicle Purchase Price

£75,000

£75,000

£50,000

Can I purchase RTI Insurance if I bought my car privately?

Covers cars from private sellers or dealerships

Covers cars from private sellers or dealerships

Available for new cars and pre-registered cars up to 3 months old

Can I still buy RTI Insurance if I have a personal loan or dealer arranged finance?

Can I still buy RTI Insurance if I paid cash?

Is this cover valid for "Business Use"? *

Can I still buy RTI Insurance if I have a contract hire or lease arrangement on the car?

Are there any mileage restrictions?

No

No

No

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* "Business Use" exclusions: Emergency vehicles, taxis, driving school vehicles, buses, scooters, motorcycles, invalid carriers or vehicles used for road racing, rallying, pace-making, speed testing or any other competitive event or any vehicle which has been modified other than in accordance with the manufacturer specifications and any make of vehicle not built for principal sale in the UK