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Return to invoice Gap review

Find out how much return-to-invoice Gap insurance costs. Our table compares policies from online 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 Fiat Punto for £9,537, 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. Only a contribution will be made towards the excess, though.

In most cases, Finance Gap insurance is also part of the package - meaning that outstanding payments on a loan used to pay for the car are covered in full.

Find out more: Gap insurance explained

Return-to-invoice Gap insurance review

When you buy a car - either in cash or using finance - the car dealer will probably recommend buying their Gap product along with it. However, Gap insurance bought through dealerships is often heavily overpriced, and shopping around could potentially save you hundreds.

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 (online) 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 July 2018.

Provider Premium (Fiat Punto £9,537) Premium (Honda Jazz £13,258) Premium (Audi Q3 TDI) Amount towards your insurance excess Max level of cover Cover available for (years) Max vehicle age (years) Max vehicle value Covers car finance
ala.co.uk £175 £166 £165 £250 £50,000 2 10 £100,000 Yes
car2cover.co.uk £105 £119 £175 £250 £50,000 1-5 10 £250,000 Yes
click4gap.co.uk £106 £123 £151 £250

No limit

 

More info

for vehicles costing up to £75k. Claims limits apply afterwards.

1-5 10 £125,000 Yes
directgap.co.uk £109 £129 £189 £0 £25,000 1-4 7 £50,000 Yes
gapinsurance.co.uk £125 £125 £179 £250 £25,000 1-5 8 £75,000

 

More info

for online quotes. Quotes available for more expensive cars (up to £150k) online

Yes
shortfall.co.uk £88 £95 £156 £750 9 1-4 n/a

 

More info

less than 80,000 miles

£150,000

 

More info

for online quotes. Quotes available for more expensive cars (up to £150k) online

Yes
totallossgap.co.uk £95 £105 £158 £250 n/a 2-5 8 £75,000 Yes
WarrantyDirect.co.uk £151 £151 £151 £500 £50,000 1-4 10 £125,000 Yes

 

More info

PCP and Hire purchase covered, but not Lease Purchase)

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