Return To Invoice (RTI) insurance was offered to me when i picked up my car.

It’s £352.60 for 3 years and covers the difference between an insurance payout and the price of a brand new car.

So if the cash price of the car is £15,000 and your car is written off or stolen in year three an insurance company will give you the equivalent of £9000. The RTI insurance will pay the extra £6000 so you can effectively get a brand new car.

The policy also covers replacement of keys and locks due to loss or theft up to £350.

So what are people’s thoughts? Is it worth it and should i get it?

Cheers, Jason