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Return to invoice Gap review

Find out how much return-to-invoice Gap insurance costs. Our table compares policies from third-party insurers.

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What is return to invoice gap insurance? Return-to-invoice Gap insurance review

What is return to invoice gap insurance?

Return-to-invoice Gap insurance tops up the payout you receive from your car insurer to the amount you paid for the vehicle.

For example, if you bought a Ford Fiesta Studio for £8,745, but a year later had an accident and received only £5,000 from your car insurer, your return-to-invoice Gap insurance policy would pay the difference, minus your excess.

Many providers also offer finance Gap insurance - which covers any loans you took out to pay for the car - as part of this product.

Return-to-invoice Gap insurance review

The table below shows the cost of return-to-invoice Gap insurance for three different cars bought brand new, and the features of the different third-party gap insurance policies. These include:

  • Excess - how much your Gap policy will pay towards your car insurance excess
  • Maximum level of cover - how much cover you can take out
  • Cover availability - how long you can take out the Gap insurance for
  • Age of vehicle - the age limit of the vehicle that each Gap insurer will cover
  • Maximum value of vehicle that each gap insurer will cover
  • Finance - whether the Gap insurance will cover your outstanding payments for your car if you bought it on finance

The premiums quoted are for a brand new car, for three years of cover. All quotes were updated in October 2017.

How much does return to invoice Gap insurance cost?
  Fiat Punto
Honda Jazz
Audi Q3 TDI
Amount towards your insurance excess Maximum level cover Cover available for
Maximum age of vehicle
Maximum value of vehicle Covers finance on cara
www.ala.co.uk £100 £116 £163 £250 £50,000 1 to 5 10 £250,000 Yes
www.car2cover.co.uk £105 £119 £175 £250 No limitb 1 to 5 10 £125,000 Yes
www.click4gap.co.uk £106 £123 £159 £0 £25,000 1 to 4 7 £50,000 Yes
www.directgap.co.uk £99 £119 £169 £250 No limitc 1 to 5 ns £75,000 Yes
www.gapinsurance.co.uk £103.61 £103.61 £155.30 £250 £100,000 1 to 5 10 £150,000 Yes
www.insureandgo.com £124.99f £124.99f £124.99f £250 £10,000 1 to 3 ns £50,000 nsg
www.autoebid.com £74.14h £83.74i £107.04j £250 £25,000 1 to 3 8 £80,000 Yes
www.shortfall.co.uk £85.79 £92.49 £153.17 £750 £50,000 1 to 4 nak £150,000e Yes
www.Totallossgap.co.uk l £89.99 £99.99 £156.42 £250 ns 2 to 5 8 £150,000 Yes
WarrantyDirect.co.uk £151.38 £151.38 £151.38 £500 £50,000 1 to 4 10 £125,000 Yesm

Table notes:
A claims limit of £7,500 has been applied to all policies unless stated

a Outstanding finance payments for the current car - not negative equity from finance on a previous car.
b No claim limits for vehicles costing up to £75,000, wide choice of claim limits available for vehicles costing £75,001 – £125,000.
c No claim limits for vehicles costing up to £50,000, claim limit of £30,000 for vehicles with an invoice price over this amount.
d For vehicles with an invoice price of more than £75,000 easygap have access to policies up to £150,000 and claim limits up to £50,000.
e Cover for more expensive cars can be arranged by phone
f Price for "Car Gap Insurance - Platinum Package" - Bronze, Silver and Gold Packages also available
g No specific exclusion, "Would be considered as part of a claim"
h Only available with a £5,000 claim limit
i Only available with a £10,000 claim limit
j Only available with a £15,000 claim limit
k Vehicle must have driven less than 80,000 miles
l Only offers "Total Loss Gap Insurance"
m Will cover PCP and Hire Purchase, does not cover Lease Purchase