In the event of your vehicle being declared a write-off by your Insurance Company because of theft or an accident, there is likely to be a shortfall between the vehicle's current market value and the original purchase price. This is RTV (Return To Value) Gap Insurance.
The shortfall could be a significant sum depending on the rate of depreciation of your vehicle. RTV will bridge this gap.
Who is it for?
Customers obtaining vehicles by any method where they have the option to take ownership of the vehicle, such as those customers financing the purchase of their vehicle using Hire Purchase, Lease Purchase, PCP or cash. Designed for customers wishing to retain as much equity as possible in the event of a valid claim.
Example
A customer buys a BMW 3 Series Saloon for £15,000, with a deposit of £1,000 and finances the remainder. 18 months later the car is involved in an accident and is written off. The insurance company settles £11,200, but now the customer is £3,800 out of pocket !! The AA Return to Value GAP Insurance plan will pay the £3,800 shortfall between the Insurance Company payout and the original value of the vehicle less any extra items.
Why do I need Return to Value Gap?
In the UK car crime is a third of all crime; a vehicle is stolen every minute with a third never being recovered. A sad fact is that over 500,000 vehicles become a total loss each year.
Motor Insurance settles the depreciated value, not the amount you originally paid.
From the second you start driving your car it's depreciating.
Insurance Companies depreciate cars by up to 77% over a three year period.
A car is stolen every minute of the day in the UK
Over 500,000 vehicles become a total loss each year
Features:
- Refunds up to the original purchase value of the vehicle
- Covers cars up to...£50,000
- Unlimited miles at start of policy
- 10 years old at start of policy
- No mileage restriction after policy is purchased
Available whether you paid by...
- Cash
- Motor loan
- Personal Loan
- Contract Hire
- PCP
- Lease
Benefits
- Pays the difference between the Motor Insurer's settlement and the value of your car when you take out the policy
- Refunds depreciation
- Protects your investment
- Get back the total value of your car when you take out the policy
- Replace Your Vehicle with one of similar value of your car when you take out the policy, not the depreciated value in two years time
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