Return to Invoice GAP Insurance

Return to invoice (RTI) GAP insurance may help you climb out of a hole and stop you from hitting a mega financial snag. RTI GAP insurance, arranged by Insureworks and underwritten by specialist insurers, may cover the shortfall between what you originally paid and the market value after depreciation.
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I was recommended Insureworks by a friend having just received my new Porsche 718 Spyder RS, it’s a beast! I wanted to make sure it was properly covered and contacted Insureworks, they managed to provide cover at great price.

Jamie

Bought a Tesla Model 3 through my company and wanted GAP insurance arranged straight away. The website made it really easy to get the right cover in place without any hassle.

Andy A

Great price and I bought cover that matched my whole PCP term. I needed GAP insurance for my Mercedes A Class A35 for 4 years and this was the best value I could find. The process was really quick and easy from start to finish. Highly recommend!

Oliver H
4.3

Return to Invoice GAP Insurance Explained

  • Worry less: protect finances against depreciation pitfalls

  • Stay calm: we arrange your RTI gap insurance needs

  • Claims are settled as quickly as possible once accepted

  • Tailored cover arranged by Insureworks that may help reduce the financial impact if your car is written off or stolen.

A pink BMW driving on a country road with green fields and clear blue sky in the background.

Return to invoice GAP insurance

Ooof! Watch out, that’s a steep drop! As soon as you climb into your new motor and roll off the forecourt, the value of the car starts to slide faster than your 0-60 time. Having return to invoice GAP insurance may mean your finances don’t skid off the road when your car gets written off or stolen.

Think of RTI GAP insurance as a potential financial handbrake in a nightmare situation. It may mean you’re not left footing the bill for something which you no longer own.

A purple Mercedes-Benz SUV driving along a rural road on a sunny day, with green fields and blue sky in the background.

Why Drivers Consider Return To Invoice GAP Insurance

Cars lose value faster than you think. As soon as you take the handbrake off and put your foot on the throttle, depreciation kicks in. If your car is written off or stolen, standard car insurance typically pays out only the car’s current market value. This is often much less than you originally paid. That’s where return to invoice GAP Insurance may help provide support.

The RTI GAP insurance policies arranged by Insureworks mean you can drive with confidence. Get a straightforward quote from InsureWorks. No jargon, no fuss, and no stress.

The Gap Insurance Process

  • We’ve been in the insurance business for a decade, watching car values yo-yo and helping customers stay on top of it all.
  • Our crew ranges from petrol heads to finance gurus, each there to help make the process as easy as possible.
  • We’ve been there ourselves with high-value cars. We understand the excitement and the nerves. That’s why we focus on what matters with car gap insurance: easy signup and quick quotes.
  • We’d rather see you out on the road than bogged down in paperwork. Our streamlined tools help you complete the process online.
  • We’re not about jargon or vague promises. Insureworks makes getting a quote simple, straightforward, and aligned with how you actually live (and drive) day to day.

Gap Insurance Expert

Nick Rinylo
Nick Rinylo

We’ve poured our hearts into creating a selection of car Gap Insurance providers that offer transparent, tech-driven, and family-focused cover. We’re here to arrange protection for your finances and your peace of mind.

Silver Porsche Taycan Cross Turismo parked on an open road under daylight.
08 Sep 2025

My Porsche Taycan 4S Gap Insurance Claim

The Challenge In July 2023, I was involved in an accident that left my car a total write-off. The vehicle was just over 12 months old, and like most cars, it had already depreciated in value. The main insurer’s payout offer wouldn’t have even covered the outstanding finance. This would’ve left me with a nasty […]
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Gap Insurance FAQs

We know you might have questions, here are the four we hear at Insureworks the time.

Get a GAP insurance quote online with Insureworks. Insureworks is about making insurance easy. There are no mountains of paperwork, no confusing jargon, and certainly no time wasting.

We have firsthand experience of how confusing RTI GAP insurance can be. Being forced to spend hours completing a boring life admin task is the last thing anyone wants to do. The good news is, those days are over. Our online tools let you get signed up in minutes, and if you ever need to make a claim, we’ll guide you through making a claim; claims are handled/paid by the insurer.

Let’s put some numbers on it. A £50,000 car will shed its value straight away. Within a year, it could be worth around £35,000. If it is written off or stolen at that point, your main insurer will only pay the £35,000.

With RTI GAP insurance, you may get a £15,000 shortfall payment to cover the difference between your insurer’s payout and the original invoice price. A soft cushion during a frustrating situation.

  • If you’ve bought a car brand new, or nearly new
  • Want to avoid being out of pocket if your car is written off or stolen
  • Care about keeping your finances steady, even in unfortunate circumstances
  • Want to get back on the road as soon as possible

Generally, you need to secure RTI GAP insurance within the first 180 days of buying a new or used car. If you are considering GAP, note that the car will lose a massive chunk of money from the moment you roll off the forecourt. Don’t leave yourself vulnerable to a financial hit because you left it waiting on your to-do list. You’ll only leave yourself exposed.

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