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Combined Gap And Rti Insureance

How Combined Gap And Rti Works

Combined GAP and RTI incorporates Return to Invoice cover (or RTI) and Finance Guaranteed Asset Protection (or Finance GAP). RTI is designed to pay-out any difference between the settlement made by your motor insurance company and the price you originally paid for the vehicle.

If your vehicle is written off, Finance GAP pays the difference between the settlement made by your motor insurance company and the amount you still owe on your finance agreement.

Combined GAP and RTI covers you however you paid for the vehicle and will pay-out the greater of the Finance GAP or RTI amount, up to the purchase price of the vehicle. However, there are specific exclusions.

How Return to Invoice (RTI) works


You pay £18,500 for your vehicle. Your vehicle is written off. Your motor insurance company pay-out is £12,000. An RTI pay-out of £6,500 tops it up to the price you originally paid.

How Finance Guaranteed Asset Protection (GAP) works


You pay £18,500 for your vehicle. Your vehicle is written off. Your motor insurance company pays out £12,000 but you still owe £19,200 on your finance agreement. A Finance GAP pay-out of £7,200 makes up the difference.

How To Make a Claim

With AutoProtect’s free, easy to use app you can make a claim whenever it suits you; day or night, on the go and even if their offices are closed.

Enter the relevant information, upload documents and submit – what could be simpler?

Download AutoProtect’s claims APP by searching for ‘AutoProtect’ in your APP store.

Significant Benefits

Policy duration

Cover is available for varying durations, depending on your requirements and according to the terms of your finance agreement. Cover ends earlier in the event of a paid claim or if the vehicle is no longer in your possession.


Provides a contribution of up to £250 towards your insurance policy excess.


A range of claim limits are available depending on the premium paid and the purchase price of your vehicle.

Vehicle accessories covered

As long as accessories are fitted by the dealer and are manufac turer approved, we will cover up to £1,500 of extras.
Manufacturer fitted accessories are covered.

Warranty and Road Fund licence

Includes the cost of a vehicle warranty and makes a contribution of up to £100 towards road fund licence costs.


If during the first year of cover, the vehicle is written off and you get a replacement vehicle on a “new for old” basis, you can transfer the remaining duration of the policy to your r eplacement vehicle free of charge. You may then subsequently, at any time, transfer any remaining period of insurance on the policy due to a further change of vehicle, on payment of an administration fee of £35, as long as the replacement vehicle falls within the price range specified in your policy schedule.


If, for any reason, you wish to cancel your policy and you do so within 30 days, and no claim has been registered with AutoProtect during this time, we’ll give you a full refund. After that, you may still cancel at any point, subject to a £35 administration fee. You may receive a pro-rata refund which will reflect the length of the term remaining.

Significant Exclusions

As with all insurance policies there are some circumstances for which Combined GAP and RTI will unfortunately not cover you.

You must have in place a fully comprehensive motor insurance policy issued by an authorised UK motor insurer which

insures against accidental loss and/or damage to the vehicle throughout the period of insurance.

In the event your motor insurer rejects your claim and a settlement payment is not made you will not be covered by this policy.

Vehicle Exclusions:

We are unable to cover all vehicle types. You will be excluded from the benefits of this policy if:

  • The vehicle has been modified in any way from the manufacturer’s specification.
  • The vehicle is used for hire or reward, e. taxis or courier vehicles. Alternative products may be available that can provide cover for these vehicles. Please ask for further information.
  • The vehicle will be used for a competitive
  • The vehicle is heavier than 3500kg gross
  • The vehicle is listed in the specifically excluded list; some prestige vehicles and sports cars are excluded: Including, but not limited to, Aston Martin, Bentley, Honda NSX models, Lamborghini, Rolls Royce, and kit cars.

General Exclusions:

  • Any total loss due to your negligence or deliberate
  • Any total loss as a result of an accident where the driver of the vehicle is under the influence of alcohol, drugs not prescribed by a registered medical practitioner, or drugs prescribed by a registered medical practitioner where a warning against driving has been

Additional Costs:

Additional costs within the finance settlement for anything other than the purchase of the vehicle. This includes but is not limited to; administration charges, option to purchase charges, late payment charges and arrears, early settlement charges.

Negative Equity

Which means any sum outstanding from a previous finance agreement, transferred to the new vehicle finance agreement.


Any recoverable Value Added Tax (VAT) where you are VAT registered.

*You should note that there are certain limitations in terms of the maximum amount you may claim. For full benefits and exclusions, please refer to sections titled ‘What is covered?’ and ‘What is not covered?’ of the policy terms and conditions which will be provided on request.

IMPORTANT: Financial Conduct Authority regulations require us to provide you with a separate Combined GAP and RTI Key Information document. You are unable to purchase this facility until one day has passed, following receipt of the information outlined in that document. We will contact you on the 4th day to discuss the facility further, however, should you require more immediate cover, you have the right to conclude purchase on day 2 or day 3 by contacting your Sales Consultant.

Combined GAP and RTI is an OPTIONAL facility available from this dealership. Our sales consultants will be happy to answer your questions or clarify the policy benefits and exclusions. You should be aware that similar products may be available elsewhere to purchase directly. However, as with any insurance policy, you should confirm that the cover levels of alternative facilities are suitable for your needs.

This information is for promotional purposes only. It is not advisory and does not demonstrate the full terms and conditions of the product. or promotional purposes only. It is not advisory and does not demonstrate the full terms and conditions of the product.

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