This stands for Return to Invoice insurance. RTI does exactly that, it pays the policy holder the difference between the insurers payout should you have be involved in an accident or be the victim of automotive crime and the actual amount you paid for the car in the first place. There for a total loss need not be a total catastrophe for you. If your car is stolen or declared an insurance write-off "Return to Invoice Gap Insurance" will refund to you the difference between what you paid for the car and your insurers depreciated valuation.

• Gap Car Insurance has highly competitive premiums
• Click4Gap do not pay sales people commission for every sale made
• The claim limit is flexible and set by you when you buy
• Gap Car Insurance cover starts immediately
• We advertise a UK specialist in Gap Insurance products
• Click4Gap have 20 years experience behind them in automotive finance products
• Click4Gap have the backing of one of the UK's biggest finance businesses

Some cars lose their value more allot quicker than others. Depending on the model of car that you buy the new car depreciation effect can vary greatly. It's a fact of life, so what should you do? It is widely reported that by the end of the first year, the average car will loose approximately 40% of its value compared to the value at the time of purchase. But that does not mean that all makes and models of new cars will loose around 40% of their value in this time. Naturally this will vary according to market conditions and the model of car.

The more popular a model, the less likely the car is to loose quite so much of it's value during the first twelve months. Likewise the more exclusive a car the less likely it will be that such a car is going to loose value in the first year. An example of this is a one of a kind Ferrrari which can not be bought in the shops because sales are by invitation only! Seriously this is how it often does work.. There are fewer cars which will go in to production than demand. Such a car is the exception but it does exist and this happens fairly often with exclusive cars. Often highly priced collectors classics also go under the hammer for up to two hundred times the cars original value (This is a different thing altogether though!). More popular cars you and I would buy that would have a low depreciation rate during the first 3 years would be for instance a BMW Mini Copper S or a New VW Beetle when they first came out. These very popular models will possibly only loose around 10% to 15% of their value in the first year.

The AA are of the opinion that by the end of the third year the average new car could loose up to 60% of it's original value based on the average driver covering approximately 10,000 miles per year. What does this tell you about buying a new car? Be prepared to take some heavy financial loses in the first few years of ownership, or get a quality Gap Car Insurance policy and fight back against depreciation

• Return To Investment makes your misfortune easier to recover from
• RTI Protects the difference between the insurers book value and your purchase price
• You get back the full amount that YOU paid for the car
• RTI is paid directly to you
• There is no policy excess payment on this insurance policy type
• Recover the depreciation on your car

Gap Car Insurance Featurs

• 3 years cover
• £25,000 Maximum Claim Limit
• £100,000 Maximum Vehicle Purchase Price
• Covers New and Used Cars

What would your position be if your car were stolen or written-off?

Insurance Companies depreciate cars by up to 60% over a three year period, therefore if you have a loan have you considered how you will settle it?

Even if your insurance payout covers your loan settlement, where does the deposit come from for your next car? - you don't have a part exchange!

If you are a cash buyer, have you considered how you will replace the difference between the amount you paid for your car and your insurance payout? Will it be possible for you to replace like for like without adding more of your savings?