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Return to Invoice GAP insurance

Don't be out of pocket if your vehicle is written off or stolen

Person taking image of crashed car

Protect yourself from the unexpected

As vehicles depreciate in value over time, the amount motor insurance companies pay out if your vehicle is written off or stolen could be lower than the price you paid. 

In the unfortunate event that this happens, you could be left with an outstanding balance to pay to settle your finance agreement for a vehicle you no longer have the use of. 

Return to invoice GAP insurance covers the difference between the insurance company's pay out and either the price you paid for the vehicle or the outstanding balance on your finance agreement, whichever is higher.

Did you know that over 384,000 vehicles are written off in the UK every year?*

Vans in a line on forecourt

Product benefits

Prices start from less than £7 per month**

Protects the equity in your vehicle including your deposit

You’re covered for the price you paid for the vehicle or the outstanding finance, whichever is higher

RTI GAP covers you for a maximum of 36 months

Includes £250 towards your motor insurance policy excess

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

To start your cover, please call us on 0333 321 6059

Eligibility and exclusions 

Are you eligible for Return to Invoice GAP cover?

  • You must have a live finance agreement with Close Brothers Motor Finance when your policy starts
  • Your vehicle must be less than 12 years old when your policy starts
  • Your vehicle must have been purchased for less than £40,000
  • Your vehicle must not be electric or a motorcycle
  • You must hold a valid driving licence to drive your vehicle
  • You must be the named customer in your finance agreement when your policy starts
  • Your vehicle must have been purchased less than 30 days before your policy starts
  • Your vehicle must be principally used in the United Kingdom
  • You must have comprehensive motor insurance on the insured vehicle and be the policyholder, or a named driver

What is not insured?

  • Loss occurring while your vehicle is not covered by a comprehensive motor insurance policy
  • Loss occurring while using your vehicle for competition, racing, pace-making, reliability trials speed testing or off-road
  • Loss occurring where the driver does not hold a valid driving licence
  • Loss occurring if your vehicle is stolen by someone with lawful access to its keys
  • Loss occurring where the driver is under the influence of alcohol or drugs
  • Where the insurer of your vehicle offers a replacement as settlement of your claim
  • Any excess under your comprehensive motor insurance over the first £250
  • Any claim where there is fraud or dishonesty
BNP Paribas Cardif Logo

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’ve compiled a list of frequently asked questions below.

The maximum benefit you can claim on the policy is dependent on the price you paid for your vehicle. This is outlined in the table below.

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This monthly policy is separate to your finance agreement with us and should you wish to proceed, the premium will be collected by direct debit monthly in arrears by Pinnacle Insurance plc who are our chosen insurer partner. The benefit of keeping it separate from your finance agreement is that the cover can remain in place even if you settle your finance agreement.  

RTI GAP insurance will cover you for a maximum of 36 months, even if the finance is settled before then.

You can cancel within 30 days of the start date and any premium paid will be refunded in full, unless a claim has been made or an incident has been notified that could give rise to a claim against this policy. If you decide that you would like to cancel after the first 30 days you may do so, however; 1. there will be no refund of any premiums already paid, and 2. your cover will continue until the end of the period for which you have paid. 

Great Britain, Northern Ireland, the Channel Islands and the Isle of Man. Cover is extended to countries in the European Economic Area whilst your insured vehicle is being driven by you in one of these countries subject to your comprehensive vehicle insurance policy being extended for such use. 

There are a number of vehicles that are not eligible for RTI GAP, these include: a vehicle not shown in Glass’s Guide, a motor scooter/moped, motorcycles, an electric vehicle, an invalid carrier, a kit car, a replica car, or a grey import. There are also a number of manufacturer brands not eligible for this cover including: Aston Martin, Bentley, Bristol, Bugatti, Cosworth, DeTomaso, Dorchester, Ferrari, Ginetta, Hummer, Honda NSX models, Lamborghini, Lancia, Maserati, Maybach, Mitsubishi 3000GT, Marcos, Noble, Rolls Royce, TVR and any American make of vehicle unless manufactured as a right hand drive for the United Kingdom. 

To make a claim please either email our administrator: [email protected] or phone the team on: 0800 298 0268.
Once BNP Paribas Cardif have been notified of a claim, they will contact you directly to discuss next steps.

**Based on a vehicle with a purchase price of less than £7,500

Close Brothers Motor Finance introduce you to a limited number of insurance providers and may receive a commission for the introduction.