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GAP Insurance from Total Loss GAP
Total Loss GAP is one of the UK's best-known independent GAP Insurance providers. Total Loss GAP can provide GAP Insurance quotes for a range of products such as our award-winning 3-in-1 Replacement and Invoice GAP, Combined Return to Invoice GAP, Lease and Contract Hire GAP.
Over the last decade, our GAP products have provided valuable protection for thousands of UK vehicle owners. They have also been featured and discussed by Money Saving Expert, Which?, Honest John, Pistonheads, Bimmerforums and AutoExpress.
If you are looking for an experienced provider, comprehensive coverage and value for money, then Total Loss GAP can provide you with all.
A tyre insurance policy protects you against the unforeseen cost of punctures and blowouts for up to four years. You can pick the maximum number of claims and the maximum amount you can claim per replacement tyre.
This policy can protect you against the cost of repairing minor scuffs and dings on your vehicle's bodywork. It covers damage on two panels for up to four years, and you can make up to six claims per year (Terms and Conditions Apply)
An Alloy Wheel insurance policy protects you against cosmetic damage to your alloy wheels. You can buy up to four years of cover for diamond, laser cut, and painted wheels, with a choice of two or four claims per year.
Tyre and Alloy Wheel Insurance
Combined Tyre and Alloy Wheel Insurance combines stand-alone policies into one cost-effective policy for up to four years. There is no dilution of coverage or quality of repairs or service, just even better value for money.
This cost-effective policy combines scratch, dent, and alloy wheel insurance with interior protection. It covers up to six claims per year for up to four years and offers all the flexibility of stand-alone policies and no claims excess.
Peace of Mind With a Total Loss Gap Insurance Policy
Financial Services Compensation Scheme (FSCS)
Any Gap policy or supplementary policy you buy is backed by the (FSCS) Financial Ombudsman Service
British Insurance Brokers Association (BIBA)
We are proud to have been members of the British Insurance Brokers Association (BIBA) for over a decade
Independently 4.9 / 5-Star Rated Reviews
Our policies have been independently rated and verified 5 stars for the last 5 years running
Policies Covered by Financial Ombudsman Service
If you are unhappy with any aspect of your policy you may have the right to refer the matter to the Financial Ombudsman Service (T&C's Apply)
Safe and Secure Online Security
Our systems are independently stress tested, scanned and monitored to protect our and your online security
Turning your independently verified reviews into trees.
We are constantly bombarded with requests for reviews, and we understand that they can be a little overwhelming and take time and effort.
For over a decade, our reviews have been independently verified. Which means they are genuine reviews from real people like you.
Unfortunately, some review systems allow for a level of manipulation.
We are proud that our systems have not and will never allow us to delete, hide, alter, manipulate, manufacture, or suspend a review so you can have an accurate snapshot of our customer service levels.
To leave a review, you must have had an experience with us, whether via our website, call centre, or claims team.
From October 1st, 2024, every time a policyholder leaves a review, good or bad, Treefo will plant a tree on our behalf.
So, you can help the online community make informed choices and also help us all as a global community try to combat climate change and preserve our environment.
What is GAP Insurance?
GAP Insurance, short for Guaranteed Asset Protection, protects you financially if your car is written off, stolen, or declared a total loss. It covers the difference between your motor insurer’s payout and either your original purchase price, outstanding finance, or the cost of a replacement vehicle.
Without GAP Insurance, you could face significant costs if the unexpected happens, potentially thousands of pounds out of pocket.
How Does GAP Insurance Work?
When a car is written off or stolen, your motor insurer typically pays only the current market value, not the amount you paid. With vehicles depreciating quickly, this can leave a large financial shortfall.
GAP Insurance bridges that gap, paying the difference so you can clear your finance or afford a replacement without financial stress.
Key GAP Insurance Statistics - Updated July 2025
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A brand-new car can lose between 15% and 35% in value in the first year alone.
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A used car typically loses 10% to 15% of its value each year.
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Motor claims hit a record £11.7 billion in 2024, with the average claim rising to £5,300.
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Our average GAP Insurance claim since 2019 is £5,716.04.
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In the first six months of 2025, our average GAP Insurance payout rose to £7,544.53.
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We have paid out nearly £6 million in GAP Insurance claims from January 2019 to July 2025.
Get an instant GAP Insurance quote online in less than 60 seconds, or call our friendly, award-winning team to learn more.
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Different Types of Gap Insurance you can buy from Total Loss
Finance GAP Insurance
This type of GAP Insurance bridges any difference between your car insurance market value settlement and the outstanding finance settlement on your car loan (car finance).
However, not everyone can benefit from finance gap protection. If you have put in a large deposit or are near the end of your agreement, you may find that there is no outstanding finance balance after your insurance company's settlement. This means there would be no claim if your car were written off or stolen, as there is no financial gap. As such, we do not offer stand-alone finance gap insurance policies as we do not believe they offer enough protection.
N.B We do not cover negative equity you have bought forward from an old finance agreement to your new vehicle. For this, you would require a Negative Equity Gap Insurance policy.
Return to Invoice GAP Insurance
RTI Gap Insurance (Also known as RTI Gap) is the most popular level of cover offered by main dealerships.
This makes it the most well-known cover in the market.
RTI Gap insurance pays the difference between your motor or car insurance's current market value settlement and the higher of either
1. the original invoice price you paid for the new car / LCV
2. or the amount outstanding on your finance agreement.
This will mean you now have the entire original purchase price of your car, you can clear any outstanding finance if necessary and then the balance of funds is yours to spend as you wish.
Vehicle Replacement GAP Insurance
Our award-winning Vehicle Replacement Insurance (VRI Gap for short) is the next level of Gap Insurance products available.
VRI Gap pays the difference between your motor or car insurance company's settlement and the higher cost of either of the following;
1. another equivalent replacement vehicle, the same as yours, was on the day you first took delivery,
2. the original invoice price you paid,
3. or the amount outstanding on your finance agreement.
This means that no matter what the market forces on the day, you simply get the best and highest financial settlement.
Contract Hire GAP Insurance
(Lease Gap insurance) pays the difference between your car insurance's current market value settlement and the outstanding lease/ finance settlement.
This could be made up of any of the following;
1. Differences in market value
2. A portion of future rentals
3. Early Termination Fees
With Contract & Lease Hire GAP Insurance from Total Loss, if you choose, you also have the option to protect your initial rental up to a maximum of £3000.
As long as you're up to date on your payments and have no late payment fees or arrears, you walk away with no further financial liability and can be reimbursed for your initial rental.
Additional Benefits of Total Loss Gap Insurance Policy
Your Gap Insurance will cover all named drivers over the age of 18 with a full Licence on your policy.
Your Gap Insurance will pay up to £250 towards your motor insurance companies excess when you claim.
Your Gap Insurance will cover up to £1500 of 'Dealer Fitted' options fitted to your car before delivery.
We do not charge any Gap insurance admin fees for reg, address, and policy administration.
If you change your car you can transfer Gap Insurance free of charge to your next vehicle T&C apply
Your opinion counts, and we have Independently verified and rated 4.9/5 stars for customer service.
You can defer the start date of your Gap Insurance to coincide with the end of your new for old cover.
There is no gap insurance claim limit for vehicles up to £75000 (vehicles up to £100,000 have a claim limit of £75,000)
Commitment to settle your Gap insurance claim within 10 days of receipt of the relevant documentation.
Your Gap Insurance policy will cover you for theft with keys. Providing your own insurance deems it a valid claim.
We always settle Gap Insurance claims in cash so you decide what and where your money is spent.
There are no mileage restrictions once your Gap insurance policy is live and in place.
You can pay for your Gap insurance with any major credit or debit card as well as PayPal and monthly options.
Gap insurance products are available for up to 5 years which performs the same during the duration of your policy.
One free Gap insurance policy transfer to your next eligible vehicle (T&C's apply)
GAP Insurance - Is it worth it?
GAP Insurance (Guaranteed Asset Protection ) is an optional extra insurance policy, so unlike car insurance, there is no legal obligation to have it.
We are a GAP Insurance provider with hundreds of thousands of Gap Insurance policyholders and customers. We are often told that you can never really know the value of a gap insurance policy until you have had to use it. We completely agree. To be upfront, we hope you click for a gap insurance quote, purchase a policy and never need to use it. However, if you do, it could be one of the best purchases you have ever made.
Please remember that if your car or vehicle is written off, your motor or car insurance company will normally only ever offer you the value of your vehicle on the day it was written off. This could mean that your motor or car insurance company's settlement is considerably lower than the original purchase price you paid, and what happens if it is not enough to clear any outstanding finance? For some people, the thought of having to write a cheque to clear any outstanding finance or even to replace a car when and if their current car or van is written off is a mere drop in the ocean.
For the vast majority of us, it is not, and the financial implications can be crippling. In the first eight months of 2022, our claims teams have already processed £305,346 in GAP Insurance claims alone, the biggest of which was £39,990.
So, is Total Loss GAP Insurance worth it?
We are an experienced Gap Insurance provider fully regulated by the Financial Conduct Authority ( FCA) and offering fair value to customers and our policyholders is at the heart of all we do.
Our Gap Insurance policies are backed by the Financial Services Compensation Scheme; we are members of the British Insurance Brokers Association and have an independently verified 5-star rating for levels of customer service.
With an instant gap insurance quote for up to five years, why not click or call and see how affordable Gap Insurance cover can be.
What makes Total Loss Gap different from other providers
All Gap Insurance Claims are paid in Cash / Bank Transfer.
We never replace your vehicle. We do not know what led you to claim your Gap Insurance cover. You might want to rush out and source the exact vehicle again; you may not be able to drive or be here. So, for this reason, we think it is really important that you are given a cash settlement so you can decide how, where, and on what your money is spent.
You can purchase GAP Insurance for up to 5 years for vehicles up to £100,000
We are proud to be one of the very few, if not the only, GAP insurance providers who can cover your vehicle for up to 5 years. This means that, unlike some hybrid levels of GAP Insurance, which change as the years go on, ours will perform the same on day one as it will in 4 years, 11 months, and 28 days. No dilution of cover, no change of terms and conditions.
Contract Hire Gap Insurance Policies with a selection of Deposit Protections.
We offer more choices. You can choose a standard contract hire policy or protection for your initial rental/deposit. This means that as well as having the benefits of Contract and Lease GAP Insurance we will reimburse you your initial rental as shown on your agreement, You decide what is best for you. (You have the option to increase this to £3000)
No claim limits on GAP Insurance for vehicles up to £75,000
We don't know when and if your vehicle will be written off and we can not guarantee what it will be worth. Equally, we have not got any idea what the cost of any replacement vehicle will cost. We don't think anyone can know with any real degree of certainty. As such we do not have any claim limit for vehicles up to £75,000 for all VRI and RTI GAP Insurance.
Where should you buy your policy from?
Do you buy Gap Insurance directly from your dealership?
When you buy Gap Insurance directly from your car dealership or finance company, you may have a much more limited selection of policies. Most car dealers will have one or two Gap insurance policies at best to offer, often for shorter lengths of time. You will also have to pay a higher rate of IPT. (Insurance Premium Tax).
This is because the organization from which you are buying your vehicle can affect its purchase price and, therefore, how much VAT HMRC is paid.
Could you buy your Gap insurance policy from a Comparison Website?
Comparison sites can offer excellent prices, and we all know that the price you pay for your Gap Insurance policy is important.
However, you may find that tiny variations in terms and conditions can leave you out of pocket in case of a claim, so always read the documents before you buy.
Some providers offer watered-down versions of their cover and remove some key features to reduce costs and appear less expensive.
You could buy a GAP Policy from another online provider.
Some Gap insurance providers have limited access to policies, they may only offer one type of policy from one specific underwriter. In an ideal world, this would be fine, but experience shows us that one size does not fit all.
What if you don't quite fit their standard terms or conditions?
If you are only offered one policy, how do you know it is the best value for money?
You could buy Gap insurance from your finance provider.
This can often be just a basic form of finance gap insurance. While it may be attractive to think that if the worst happened, you would not be left paying for a vehicle you no longer have, you could be walking away from thousands, possibly tens of thousands of pounds in case of a claim.
At Total Loss Gap, if you have the legal right to take ownership of your vehicle at the end of your finance agreement, we never offer this basic form of cover as we think it is unsuitable.
Fair Value to customers and a fair deal to all our policyholders and website visitors.
Anyone selling Gap insurance must be regulated by the Financial Conduct Authority in some form or another. Fair Value Assessments are part of Consumer Duty and are an ongoing process of monitoring, maintaining, supervising, and ensuring that customer outcomes are front and centre in every organisation.
We have worked and will continue to work with our suppliers, underwriters, and the Financial Conduct Authority (FCA) to ensure that all our policies offer Fair Value and that you get a fair deal. This applies not only to gap insurance cover but to all policies we provide.
This ongoing work allows us to monitor, measure, and evaluate our policy performance and insurance premiums, from measuring claims rates to ensuring that our policies perform the way you expect them.
When would you not need a gap insurance policy?
We are a Gap Insurance Provider, so naturally, we think protecting yourself with a gap insurance policy is worthwhile .
We see first-hand the financial benefits when gap insurance policyholders' vehicles have been written off.
So when would you not need a gap insurance policy?
1. If you are fortunate enough to have enough savings or financial backing, you don't worry about paying off finance agreements or being able to top up any shortfall to buy another vehicle.
2. If you have bought a new vehicle, have a new one for old clause within the terms of your motor insurance policy and are happy with any terms they have.
Total Loss Quick Guides
What is Gap insurance?
How does it work, and why do you need it and why should you choose Total Loss Gap?
Gap Quotes by Manufacturer
Search for Gap quotes by your manufacturer.
Gap Insurance Sample Policy documents.
View current Gap Insurance policy IPID & T&C documents.
Gap Insurance Frequently Asked Questions.
Look for Gap Insurance and supplementary policies FAQ's
Gap Insurance Common Exclusions
We can not cover vehicles used for racing or rally purposes, as well as vehicles not listed in Glass's Guide.
For a full list, please see your policy T&C's
If your own motor insurance company does not agree, you have a valid claim and offer settlement.
For a full list, please see your policy T&C's
We can not cover any vehicle which has already been declared a total loss or write off.
For a full list, please see your policy T&C's
If your vehicle was not roadworthy, when the incident happened, which led to it being written off or stolen.
For a full list, please see your policy T&C's
If your new car - LCV was over 8yrs old or had travelled more than 80,000 miles at policy inception.
For a full list, please see your policy T&C's
