RTI Insurance

Return to Invoice (RTI) Insurance

Car written off? Get back what you paid for it

What if?

Due to an accident, fire or theft, your motor insurance company declares your car a write off. What's more, it's depreciation in value leads them to pay out less than the car was originally worth.

Best to invest in RTI cover from Direct Cars.

Obvious Benefits

RTI Cover (or Return to Invoice Cover) is a policy designed to reimburse any difference between the settlement made by your motor insurance company and the price you originally paid for the car.


Purchase Price
Insurance Payout
RTI Payout

You pay £26,500 for your car. Your car is written off. Your motor insurance company payout is £14,000. An RTI payout of £12,500 tops it up to the price you originally paid.

Is there a maximum amount RTI cover will payout?

Yes. The original purchase price of your car is the maximum amount. (Policy includes up to £250 or your insurance excess.)

Can the policy be transferred if I replace my car?

Yes, as long as the vehicle you replace it with comes within the price range specified in your schedule. In which case the remainder of your policy term may be transferred to a replacement vehicle. There may be an administration fee to pay and all transfers are subject to terms and conditions.

Real peace of mind

RTI cover from Direct Cars is designed to relieve any anxieties you may have about buying a car outright. One of our Business Managers can tell you all you need to know about the product, so please don't hesitate to ask.