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They are just different levels of cover which all come under the name Gap insurance.
RTI (return to invoice cover) pays you the difference up to the value on your invoice.
VRI (vehicle replacement insurance) will replace your car with a new one even if the list price has gone up since you bought yours. There'e even RTV (return to value insurance) that is available for older cars. Most companies that offer Gap insurance will offer these, and I'm sure several other levels of cover.
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