Monthly Payments Available
  • Available on All Platinum Gap Insurance Policies
  • Spread The Cost Over Monthly Instalments
0113 460 78 00
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Return to Invoice

Now from only £58

If your vehicle is declared a Total Loss, Return To Invoice (RTI) gap insurance pays the difference between your insurer's settlement and the purchase price paid for your vehicle. If your vehicle was purchased using a finance agreement and the outstanding final balance when the car is written off, is greater than the original purchase price, RTI gap insurance will cover this difference ensuring you're not left out of pocket.

Cover will include up to a maximum of £1,000 motor insurance excess.

  • Covers New and Used Cars and Vans
  • Policies from 1 to 5 years
  • 30 Day Money Back Guarantee
  • Covers All Factory Fitted Optional Extras
  • Unlimited Claim Limits on vehicles up to £50k
  • Covers Insurance Excess Up To £1,000
  • Covers all named drivers on your insurance policy
  • Settles Finance Agreements


Vehicle Cost: £20,000
Car Insurance Pays: £13,000
Gap pays: £7,000

With Gap Insurance you get back the full £20,000 purchase price of the vehicle!

Vehicle Cost: £20,000
Motor insurance pays: £13,000
Gap pays: £7,000

You receive £20,000 in total.  The finance company are owed £17,000.

You keep the £3,000 balance after the finance has been settled.


Once you make your payment your policy documents will be forwarded to you (please allow up to 2 hours).

You will also receive a confirmation of payment. Both should be retained.

If you do not receive your policy documents and/or payment confirmation please call us on 0113 460 78 00.

Total loss is a judgement made by your insurer when your vehicle has been written off as a result of accidental damage, your own or third-party fault, vandalism, theft or fire.

Once you have made a claim under the motor insurance and your claim has been agreed, the vehicle title has been transferred to the motor insurer, and a payment has then been made as a result of the incident, then your car can be declared a total loss.

You must purchase your policy within 180 days of purchasing your vehicle.

You can either make a single payment via credit or debit card with no extra card charges, or you can spread the cost over 12 months.

The latter is administered by an independent agency and a small administrative fee will be applied.

To be able to make a valid claim, you should ensure that the policy is in the name of the registered keeper, owner or hirer of the insured vehicle.

It covers up to £1,000 excess should you make a Total Loss claim.

Please read the policy terms and conditions for a full list of exclusions.

As an internet provider who specialises in gap insurance, we do not have the overheads of some of our competitors. This means that we can provide premium products at more competitive prices.

Gap insurance will include all drivers covered on your comprehensive motor insurance policy.

This is a one-off premkum.

You can either make a single payment via credit or debit card with no extra card charges, or you can spread the cost over 12 months.

The latter is administered by an independent agency and a small administrative fee will be applied.

At the end of the transition period (1st January 2021), you will need to get yourself an International Driving Permit and a green card to ensure your insurance is valid if you intend to drive your vehicle in an EU country. You will also need a GB sticker for your car.

Brexit has no impact on gap insurance. Any gap insurance policy will remain valid if you drive in Europe - however, you do need to be covered by a fully comprehensive cover for the policy to be valid in the first place and this will require a green card from your insurer.

Cars depreciate significantly over time, with some of the biggest depreciations taking place in the first few years. Should your car be written off your insurer will offer a settlement based on its current worth. RTI gap insurance plugs the gap between the settlement price, and the original invoice price ensuring you're not left out of pocket.

If you purchased a car for £20,000, but when it's declared a total loss your insurer offers you £14,000, then you could be left with a £6,000 shortfall on your remaining finance agreement. If you'd opted for Platinum Gap's premium RTI gap insurance, your policy would cover that £6,000 deficit.

Your cover will also include up to a maximum of £250 motor insurance excess.

It's not a requirement to take out gap insurance, but it can be a sensible move. If your car was written off and you decided not to take out gap insurance you could be left badly out of pocket.

As with any policy, it’s always worth carefully reading through the terms and conditions of your motor insurance documents. If your car is new, some insurers may offer you a replacement vehicle within the first 12 months of your ownership. If that's the case, it's possible to delay the start of your RTI gap insurance policy for a year.

If you've bought a new car, it's likely to depreciate rapidly over time. In which case, RTI gap insurance can make real financial sense. If your car was written off, your insurer would offer you a settlement fee based on its current value, not the price you paid for it. This could potentially leave you out of pocket by thousands of pounds. RTI gap insurance gives you peace of mind when you're buying a new car.

Our RTI gap insurance is available for cars bought with a finance agreement. Should your car be declared a Total Loss, and the outstanding balance is higher than the price you originally paid for it, your Platinum Gap policy will cover the difference.

Our policy will payout even if you were at fault for the incident that caused the car to be written off. A full list of exclusions is set out in the terms and conditions of your policy.

You are under no obligation to take out RTI gap insurance alongside your motor insurance, but it can be a smart choice in the event of your vehicle being declared a Total Loss. Our tailored, premium gap insurance policies will ensure you're not left out of pocket should your car be written off.

Once your car has been declared a Total Loss by your motor insurer you can claim on your RTI gap insurance policy. The process will then follow these steps:

1. Call our friendly claims line - 01869 232 563
2. Fill in the easy to follow claims form
3. We will then check all the appropriate paperwork
4. Your money will then be issued to you by way of bank transfer

To make sure you purchase the right amount of cover for your vehicle, you should use the confirmed purchase price that will be listed on your invoice of sale. This should include any dealer options.

The following should all be excluded;

Deposit allowances, rebates, discounts, concessions, incentives, cashback, contributions, new vehicle registration fees, number plates, warranty costs, road fund licence fee, insurance premiums, fuel, areas, any negative equity and any other extras.

The Claim Limit is the shortfall between the motor insurance settlement at the point the vehicle is written off and the original purchase price paid OR the amount required to pay off any outstanding finance, whichever sum is larger.

For vehicles over £50,000 the claim limit is shown on your policy schedule. Typically, £30,000.

It's possible to defer the start date for your RTI policy for a maximum of 90 days.

In the event of your outstanding finance agreement exceeding the settlement figure offered by your insurer, RTI gap insurance will cover any shortfall and free you from any ongoing financial commitments. Any negative equity that has been carried forward from any previous finance agreement, as well as arrears on the contract, is excluded.

You can make one transfer during the period of insurance.

If you sell your vehicle, provided that no claim has been made under this insurance, you may transfer the remaining cover to the replacement vehicle, subject to our agreement. No fee will apply for this transfer. A new schedule will be issued confirming the replacement vehicle details. Where the replacement vehicle is deemed to be of a higher value you may be required to pay an additional premium. The cover will not include the costs of any refinancing.

In the event of bereavement, the remaining benefits of this insurance may be transferred to the policyholder's spouse or partner.