Types of Gap Insurance Policies

RETURN TO VALUE GAP INSURANCE (RTV)
• Premiums start at just £55
• Available for ALL cars purchased privately or from a dealer.
• Available up to 7 years after the car was bought
• Click4Gap RTV is available for cars whether bought with cash, Bank or Motor Loan or even Contract Hire (PCP) agreements.

If your car is a Total Loss (stolen or written-off), RTV Gap Insurance refunds the difference between the value of your car when you buy the policy and the Motor Insurers depreciated value.

EXAMPLE
This means if your cars value when you buy an RTV Gap Insurance policy is £15,000 and your Motor Insurers settlement if the car is a Total Loss is £11,200 RTV Gap Insurance will refund the difference of £3,800 to you directly.

Value: £15,000
Motor Insurers settlement £11,200
Shortfall paid to you by GAP: £3,800

An RTV Gap Insurance policy can be taken out up to seven years after you bought your car!

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RETURN TO INVOICE GAP INSURANCE (RTI)
• Premiums start at just £73
• For cars owned under 3 Months.
• Available for cars purchased privately or from a dealer
• Click4Gap RTI Gap Insurance is available to you whether you paid cash, borrowed the money from a Bank or Motor Loan or even have a contract hire (PCP) agreement.
• Cars can be up to 7 years old when the policy is purchased

If your car is a Total Loss (stolen or written-off), RTI Gap Insurance refunds the difference between what you paid for it (the “Invoice Price”) and the Motor Insurers depreciated value.

EXAMPLE
This means that if you paid £16,000 for your vehicle and the Motor Insurers settlement if the car is a Total Loss is £10,000, RTI Gap Insurance will refund the difference of £6,000 to you directly.

Price paid: £16,000
Motor Insurers settlement £10,000
Shortfall paid to you by GAP: £6,000

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VEHICLE REPLACEMENT GAP INSURANCE (VRI)
• Premiums start at just £115
• Great cover for New and Ex-demonstration cars less than 3 months old.
• Click4Gap VRI is available to you whether you paid cash or borrowed the money from a Bank or Motor Loan.

Replace your car with a brand new one!
VRI Gap Insurance will pay to you the difference between the settlement you receive from the Comprehensive Motor Insurance Policy and the cost of a replacement new vehicle, even if the retail price has increased!

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