Skip to content

Car Finance Calculator

Calculate your loan immediately

Combined GAP and RTI Insurance

What if due to accident, fire or theft, your motor insurance company declares your vehicle a write-off?

What’s more its depreciation in value leads them to pay out less than the vehicle was originally worth.

Car Finance 24/7 Combined GAP and RTI Insurance is intended to provide financial protection against this loss, when buying your car, regardless of how you originally funded the purchase.

How does Combined GAP and RTI work?

Carfinance247 Combined GAP and RTI Insurance from AutoProtect

  • Return To Invoice (RTI) cover will ensure to you get back what you paid for the car.
  • Finance Guaranteed Asset Protection (GAP) will cover the “gap” between the amount paid out by the motor insurance provider (the settlement) and the amount still to be repaid on the finance that was taken out to buy the vehicle.
  • Combined Guaranteed Asset Protection covers for all eventualities and will pay out the greater of the Finance GAP or RTI amount, up to the purchase price of your car.
An Example

If you bought your vehicle outright and paid £26,500 for your car and your motor insurance pay-out is £14,000, RTI can pay up to the difference of £12,500 to top it up to the original £26,500. If you had an outstanding finance payment of £17,500 Finance GAP insurance may pay out up to £3,500.

In this instance the Combined GAP and RTI payment would be £12,500*.


Our Combined GAP and RTI Insurance can provide protection for a term to suit you from 12 months up to a maximum of 60 months and will pay out up to the claim limit you have selected.

Car Finance 24/7 GAP and RTI Insurance is both cancellable and transferrable. As long as the replacement vehicle comes within a specified price range, the remainder of your policy can be transferred onto the new vehicle.

If you wish to cancel, providing no claim has been made, you may be entitled to a pro-rata refund on the remainder of the policy calculated monthly for each full month left to run subject to terms and conditions.

*Combined Guaranteed Asset Protection insurance is subject to terms and conditions. You should note there are certain limitations in terms of the maximum amount you may claim. Please ask Car Finance 24/7 for further details.

Back to top