Combined Guaranteed Asset Protection (GAP) and Return to Invoice (RTI) starts to protect where conventional motor insurance stops. This plan covers any shortfall between the agreed full insured value that your motor insurer pays out and the invoice value of the vehicle or outstanding balance of the finance agreement – whichever the higher.


AutoProtect (MBI) is the appointed business partner of CA Auto Finance for GAP/RTI. They are a worldwide provider of systems and products to the car industry but importantly, in the consideration of GAP/RTI products.

Note:AutoProtect (MBI) Limited is authorised and regulated by the Financial Conduct Authority. Financial Services Register No. 312143
AutoProtect (MBI) Limited is a Credit Broker not a Lender.

The insurance is underwritten by AM Trust Syndicates for and on the behalf of Lloyds of London.

In the event an incident results in the CMI (Comprehensive Motor Insurer) declaring the vehicle a total loss (accidental damage, fire or theft), Combined GAP/RTI will ‘bridge the gap’ between the amount paid out by the insurer and the greater of either the purchase invoice price of the vehicle or the outstanding settlement on the finance agreement (subject to the original amount financed being less than or equal to the vehicle purchase price).

GAP/RTI cover is available over 12, 24, 36 and 48 months. The cover is fully compliant with the FCA (Financial Conduct Authority) and the ABI (Association of British Insurers)

The maximum amount payable depends on the level of cover selected. Two policies are available – £0-75,000 and £75,000 – 240,000. The maximum pay-out benefits will be up to the original vehicle’s invoiced purchase price up to £75,000, thereafter a maximum of £50,000.