First Vehicle Finance Limited

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Return to Invoice GAP Insurance

What is RTI (Return to Invoice) GAP Insurance? 

In the event of your vehicle being declared a total loss as a result of being stolen or written off, RTI GAP will pay the difference between:

  • The motor insurance company settlement and 
  • The original purchase price of the vehicle, or the amount outstanding to the finance company to settle the loan where this figure is greater than the original purchase price 

The maximum benefits payable are: 

  • £10,000 for vehicles under £50,000 
  • £20,000 for vehicles between £25,000 and £75,000

Eligible Vehicles

  • Vehicles up to £75,000 invoice price 
  • Cars and commercial vehicles up to 3.5 tonnes 
  • Vehicles less than or equal to 6 years old 
  • For vehicles financed on any Purchase agreements only

Please note, the following vehicles and use are excluded;

  • Emergency vehicles, taxis, bus or driving schools 
  • Vehicles used for pacemaking, racing, speed testing or reliability trials, hire or reward, including private hire or taxi, couriers, tuition, etc 
  • Any left hand drive vehicles and vehicles which do not meet UK or EC approval or are not commercially available in the UK direct from a manufacturer or its authorised importer or dealer

Duration of Cover

  • For up to 36 months in line with the finance agreement, or 
  • Until the vehicle is sold, or 
  • Until the finance is terminated whichever is sooner

Major Exclusions 

  • Any warranty charges, insurance premiums, road fund licence, dealer fitted extras and accessories 
  • A vehicle written off whilst being driven illegally under the influence of drugs or alcohol 
  • Any VAT, where a policy holder is able to reclaim the VAT from HMRC 
  • Vehicles NOT insured under a comprehensive UK motor insurance policy throughout the term of cover 
  • If the vehicle is stolen by any person who has access to the keys 
  • Any excess over £250 
  • If the vehicle has been modified in any way from the manufacturer’s specification

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First Vehicle Finance Limited are a credit broker and not a lender, we are authorised and regulated by the Financial Conduct Authority. Registered No : 669990

Registered in England & Wales with company number : 05285260 | Data Protection No : Z9729803 | VAT No : 862 3889 84

Registered Office : The Cottage, 2 Castlefield Road, Reigate Surrey RH2 0SH

Disclaimer: All vehicle images and descriptions are for illustration and reference purposes only, all vehicle leases are subject to credit approval and subject to change at any time. E&OE.

Copyright © 2021 First Vehicle Finance Limited, All rights reserved.

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