At Total Loss Gap Insurance we decided to re-design the way both our policy holders and our underwriters looked at Gap Insurance. Our New Total Loss Policies are what we genuinely consider to be the most "all inclusive and customer friendly in the market"

So before you buy a potentially inferior policy elsewhere, why not see what our policy can do? Did you know that our policies will...

• Pay up to £250 towards the cost of your own insurance companies settlement.
• Cover the cost of all factory fitted options.
• Cover the cost of up to £1500 worth of dealer fitted options.
• There is no claim limit
• You can defer your policy free of charge for up to 12 months
• You can buy your policy at any time within the first 365 days of ownership, providing you have 'new for old' within the first 12 months through your own motor insurance policy.
• You can transfer your policy free of charge to another eligible vehicle.
• You have a 30 day cooling off period.
• After your cooling off period you can cancel with a pro-rata refund (less admin fee held by the underwriter) 
• No admin fees for changes of address or personal information.
• No charge for paying with a credit or debit card
• Flexible payment scheme over 12 months subject to status.

The list goes on and on but we hope you get the idea. With a Total Loss Gap Insurance Policy we cannot promise that you will not be in an accident. Equally we cannot promise that your car will not be stolen. Instead we can promise, real value for money, outstanding levels of customer service with simple to understand policies that work. 

Why should you consider spending your hard earned money on Tyre Insurance?

Your tyre is the single most important safety feature your car has. No matter how good your air bags, no matter how efficient the crumple zones or the break assist systems your tyre will have more impact on the overall road safety and handling of your car.

The health of your tyre can even affect the fuel efficiency of your vehicle. Yet with the current state of our roads industry experts estimate that pot holes alone are costing the British Motorist an estimated 2.8 billion pounds per year. This is not just in the cost of replacement tyres but also damage to suspension and axle failure.

The government themselves estimate that our road repair budgets are under funded by 55 % with totals an estimated 1 billion (figures taken from potfolefacts.co.uk Feb 2016). 

So with our roads and highways in such a state of repair this can only put pressure on your tyres which already take the full brunt of our roads and weather conditions.

Combine this environment pressure as well as under funding and it means that you have never been more likely to have some form of tyre failure. By this we mean either a puncture or a blow out. 

Tyre manufacturers are investing millions into designing tyres that are more hard wearing and offer better road handling when there is a problem but this itself can lead to even a minor puncture becoming a replacement.

This is because many of the tyre sealants on new car tyres, are designed to stop the need to repair a puncture instantly. This is done by temporarily inflating the tyre with a formula/solution of which once used, is almost impossible to repair, despite that fact that they are designed to be water soluble.

This means that at any time you could be left having to replace perhaps, one, two, three or even in some extreme cases four tyres.

How much would a new tyre cost you?

This will depend on the type of car you have and the type of tyre for example a Run flat tyre will cost a lot more than a standard 16" tyre.

In summary tyre insurance cannot stop you have to replace your tyre, it also cannot prevent your tyre from wearing out. It can however make sure that should you have a puncture or a blow out that you are not left having to simply absorb the cost on your own.

In an attempt to combat fraudulent claims there is a 14 day exclusion period. This means that your policy will not honour any claims within the 1st 14 days.