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Frequently Asked Questions How does Combined RTI GAP Insurance work? 
Combined RTI GAP Insurance pays to you the difference between the
original purchase value of your car and the written off settlement
paid to you by your motor insurer or, if greater, the amount you require
to settle your finance agreement (where applicable) following your
car becoming a total loss (write off) as a result of an accident,
fire or theft.
For example, if you purchased a car for £20,000 and the primary
motor insurer paid you £11,000 following a total loss, Combined
RTI GAP Insurance would pay to you £9,000, plus any early
settlement charge on a finance agreement (where the early settlement
total is greater than the original invoice price). 
My dealer offered me a policy which provides a similar cover as Combined RTI GAP Insurance yet the cost of their policy was more expensive, why is this? Motor dealers may often include commissions and overhead costs which are incorporated into the premium charged to you. As we offer our coverage direct, you pay the wholesale price.
Can I take out Combined RTI GAP Insurance if I bought my car in a private sale or at an Auction? No, unfortunately we can only insure cars purchased from either franchised or independent dealerships. Do I have to buy Combined RTI GAP Insurance from the dealership I bought my car from? No, you can buy Combined RTI GAP Insurance from us up to 90 days after you have purchased your car.What is the maximum claim amount payable under Combined RTI GAP Insurance? You can choose a claim limit to suit your requirements up to a maximum of £20,000.Is Combined RTI GAP Insurance available for both new and used cars? Yes, providing used cars are no older than 6 years at the time cover starts.Is Combined RTI GAP Insurance transferable if I decide to sell my car? No, Combined RTI GAP Insurance will cancel immediately when you sell or transfer ownership of your car.Who are the Insurers of Combined RTI GAP Insurance? Combined RTI GAP Insurance is insured by QBE Insurance (Europe) Ltd, who are part of the QBE Insurance Group, which is one of the largest Insurers and Reinsurers worldwide rated A+ by Standard and Poor's, A (Excellent) by AM best.Is there a maximum age after which cars will no longer be eligible for Combined RTI GAP Insurance? At the start of your Combined RTI GAP Insurance, your car must be under 6 years of age.A ‘Total Loss’ is where the primary motor insurer determines that the damage to the car is in excess of the value of your car or in the event of theft where your car is forfeited and a settlement is made. How long does Combined RTI GAP Insurance last? You can choose either a 2 or 3 year policy term. Combined RTI GAP Insurance cover lasts for up to your policy term, or until the time you sell or transfer ownership of your car or should you decide to cancel your cover or should your vehicle be declared a total loss, whichever occurs first.Can I apply for Combined RTI GAP Insurance at anytime? No, you can only apply for Combined RTI GAP Insurance within 90 days following the date that you purchased your car.What coverage is not included in combined RTI GAP insurance? -Any primary motor insurance excess.-Any total loss Occurring outside Great Britain, Northern Ireland, Isle of Man, Channel Islands and member countries of the European Community. -Any warranty charges, insurance premiums, road fund licence and dealer fitted extras and accessories unless specified on the relevant manufacturer's price list. Are there any requirements I have to comply with in order to be eligible for cover? You must be the registered keeper and owner of the insured vehicle. -You must be insured under a comprehensive UK motor insurance policy.
Are there any vehicles excluded from combined RTI GAP insurance coverage? The following makes of vehicle are excluded: Aston Martin, Bentley, Bristol, Cosworth, De Tomaso, Dorchester, Ferrari, Ginetta, Lamborghini, Lancia Thema, Maserati, Rolls Royce, Kit Cars, Lotus, Nissan Skyline, Subaru SVX/Impreza WRX, STi, Grey Import, any left hand drive vehicle, and any American make of vehicle unless manufactured as right hand drive. The policy also excludes any emergency vehicle, taxi, bus, truck, HGV, motorcycle, invalid carrier, vehicles used for the purpose of driving schools, or any vehicle not mentioned in Glass's Guide.
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is a trading name of The Minibus & Coach Club Ltd The Minibus & Coach Club Ltd is authorised and regulated by the Financial Services Authority. All information contained in this website is intended for the UK insurance market only. |
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