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WJ KING EXTRAS - GAP / RTI INSURANCE
GET COVER NOW FROM WJ KING!
COMBINED GUARANTEED ASSET PROTECTION AND RETURN TO INVOICE INSURANCE!
The Combined Asset Protection and RTI insurance is designed to protect you in the event of an accident or loss regardless of how you originally purchased the vehicle. If you have paid for the car outright, our Return To Invoice cover could ensure you get back what you paid for the vehicle in the event of a claim. If you are paying for the car on a finance agreement, then our Asset Protection cover will make sure that if your insurance payout falls short, you won’t be left with the outstanding finance that you owe. Combined Asset Protection and RTI covers for all eventualities and will payout the greater of the Asset Protection or RTI amount, up to the purchase price of your vehicle.
HOW LONG WILL COMBINED ASSETT PROTECTION AND RTI LAST?
Cover is available for up to three years (depending on premium paid) in line with the finance agreement or when you sell or transfer ownership of the vehicle, whichever is the sooner but will cease earlier upon the occurrence of any of the following events: a paid claim or the repossession of the insured vehicle if subject to a credit agreement.
RETURN TO INVOICE (RTI) INSURANCE
If your car is stolen or written-off, RTI may pay the difference between the amount paid by your insurance company and the price you originally paid for the vehicle. (Subject to the limits set out in the policy document).
Is there a maximum amount RTI will pay?
Yes, there is a maximum amount, which is the original purchase price of your vehicle (the policy also includes up to £250 of your insurance excess).
Can you give me an example of how RTI works?
If you paid £26,500 for your car and your motor insurance pay out is £14,000, RTI can pay the difference of £12,500 to top it up to the original £26,500.
Can it be transferred if I sell the vehicle?
Unfortunately not, the insurance only covers the person or company who paid for the insurance whilst the car is under their ownership.
ASSET PROTECTION
A total loss need not be a total disaster. If your car is stolen or written-off, Asset Protection may pay the difference between the amount paid by your insurance company and any finance outstanding on the vehicle.
Is there a maximum amount Asset Protection will pay?
Yes, there is a maximum amount, which is the original purchase price of your vehicle (the policy also includes up to £250 of your insurance excess).
Can you give me an example of how Asset Protection works?
If you have paid £26,500 for your car and your motor insurance payout is £14,000, and your outstanding finance payment was £17,500 the Asset Protection insurance will payout £3,500. It’s that simple!
Can it be transferred if I sell the vehicle?
Unfortunately not, the insurance only covers the person or company who paid for the insurance whilst the car is under their ownership.
Example:
Even though your car is insured, your payout could fall as short as this . . . . .
ORIGINAL VALUE OF CAR:
£26,500
FINANCIAL SHORTFALL:
£12,500
Leaving you with a loss either because you have an amount still owing on finance or because your vehicle has depreciated as time has gone by.
What your insurance company may pay out in the event of a total loss/write-off.
MOTOR INSURANCE PAYOUT:
£14,000
What your insurance company may pay out in the event of a total loss / write-off.
The Combined Asset Protection and RTI insurance is designed to protect you in the event of an accident or loss regardless of how you originally purchased the vehicle. If you have paid for the car outright, our Return To Invoice cover could ensure you get back what you paid for the vehicle in the event of a claim. If you are paying for the car on a finance agreement, then our Asset Protection cover will make sure that if your insurance payout falls short, you won’t be left with the outstanding finance that you owe. Combined Asset Protection and RTI covers for all eventualities and will payout the greater of the Asset Protection or RTI amount, up to the purchase price of your vehicle.
HOW LONG WILL COMBINED ASSETT PROTECTION AND RTI LAST?
Cover is available for up to three years (depending on premium paid) in line with the finance agreement or when you sell or transfer ownership of the vehicle, whichever is the sooner but will cease earlier upon the occurrence of any of the following events: a paid claim or the repossession of the insured vehicle if subject to a credit agreement.
RETURN TO INVOICE (RTI) INSURANCE
If your car is stolen or written-off, RTI may pay the difference between the amount paid by your insurance company and the price you originally paid for the vehicle. (Subject to the limits set out in the policy document).
Is there a maximum amount RTI will pay?
Yes, there is a maximum amount, which is the original purchase price of your vehicle (the policy also includes up to £250 of your insurance excess).
Can you give me an example of how RTI works?
If you paid £26,500 for your car and your motor insurance pay out is £14,000, RTI can pay the difference of £12,500 to top it up to the original £26,500.
Can it be transferred if I sell the vehicle?
Unfortunately not, the insurance only covers the person or company who paid for the insurance whilst the car is under their ownership.
ASSET PROTECTION
A total loss need not be a total disaster. If your car is stolen or written-off, Asset Protection may pay the difference between the amount paid by your insurance company and any finance outstanding on the vehicle.
Is there a maximum amount Asset Protection will pay?
Yes, there is a maximum amount, which is the original purchase price of your vehicle (the policy also includes up to £250 of your insurance excess).
Can you give me an example of how Asset Protection works?
If you have paid £26,500 for your car and your motor insurance payout is £14,000, and your outstanding finance payment was £17,500 the Asset Protection insurance will payout £3,500. It’s that simple!
Can it be transferred if I sell the vehicle?
Unfortunately not, the insurance only covers the person or company who paid for the insurance whilst the car is under their ownership.
Example:
Even though your car is insured, your payout could fall as short as this . . . . .
ORIGINAL VALUE OF CAR:
£26,500
FINANCIAL SHORTFALL:
£12,500
Leaving you with a loss either because you have an amount still owing on finance or because your vehicle has depreciated as time has gone by.
What your insurance company may pay out in the event of a total loss/write-off.
MOTOR INSURANCE PAYOUT:
£14,000
What your insurance company may pay out in the event of a total loss / write-off.
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