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Return to Invoice GAP insurance


What is Return to Invoice (RTI) GAP insurance?

If a customer’s vehicle is stolen, or written off, their insurer will usually pay the current market value of the vehicle, which could be less than the finance that still needs to be paid, leaving the customer out of pocket, and still liable for their finance payments.

RTI GAP insurance protects against this shortfall, and pays the customer back the full invoice price of the vehicle, including any deposits they put down, or the outstanding balance of their finance agreement, whichever is higher.

All eligible customers, who aren't registered on the Telephone Preference Service, will receive a phone call from us a few days after the finance application is complete, where we’ll explain the product, the benefits and the exclusions to help them decide if it’s a product they would like to purchase.

Customer benefits

Product benefits for your customers

Prices start from less than £7 per month*

Protects the equity in their vehicle, including their deposit

Your customer is covered for the price they paid for the vehicle or the outstanding finance, whichever is higher

Your customer is covered for a maximum of 36 months

Includes £250 towards their motor insurance policy excess

We’ll negotiate with their insurer on their behalf to get the best settlement price for the vehicle

What does it mean for me?

With 4/5 of our RTI GAP insurance claims being paid out**, if the worst should happen, these customers are back in the market for a new vehicle, which could mean repeat business for you.

Let us deal with the hassle of selling RTI GAP insurance by introducing your customer to this product, providing a seamless customer experience and protection should the worst happen, from less than £7 a month*.


BNP Paribas Cardif and Pinnacle Insurance plc 

Our Return to Invoice GAP insurance is underwritten by Pinnacle Insurance plc, who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. It is administered by BNP Paribas Cardif, a trading style of Cardif Pinnacle Insurance Management Services plc, who are authorised and regulated by the Financial Conduct Authority. We may receive a commission for the introduction.

* Based on a vehicle with a purchase price of less than £7,500.
**For 36-month policies set up between 1 August 2019 and 31 May 2020 with BNP Paribas Cardif