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Frequently Asked Questions | Total Loss Gap

We have listed the most often asked questions so you can make an informed choice. 

If you have a question you don't find the answer to below, visit our Help Centre or contact a member of the team.

Gap Insurance

  1. How much should Gap Insurance be?
  2. When is a vehicle declared a total loss?
  3. Why do Gap Insurance prices vary so much?
  4. Is Gap Insurance a good idea?
  5. What is a claim limit?
  6. Can you buy Gap Insurance?

If you would prefer to watch a video to find out the answers to your questions, why not visit our Video 101 section.

Questions asked about us as a provider ...

We understand that when purchasing anything online, you need to gain that reassurance that the company you are buying from are more than reputable.


Top 3 Questions asked about Total Loss Gap

Are we associated to Gap Insurance 123?

Yes, being part of Aequitas Automotive Limited, we have four different brands that each specialise in offering protection for different circumstances. Total Loss Gap has been designed using the feedback give from customers of Gap Insurance 123, Easy Gap and By offering one single combined policy with no upper claim limit, at Total Loss Gap, we really do take all the guess work away.


Where are we based?

We are based on Merseyside and more specifically the financial district, Hamilton Square, overlooking the River Mersey and the Liverpool skyline.  The claims team are a dedicated claims team located more centrally in Sheffield, UK. 


Are the policies protected?

Yes, in every which way. We are regulated by the FCA to provide your policy and the policies themselves are backed by the Financial Services Compensation Scheme in the UK.


If you have a number of small questions, we do have a dedicated online Help Centre or alternatively you can contact a member of our award-winning customer service team on 0800 195 4926 | 0151 647 7556 and any member of the team will be more than happy to assist. 

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Independently Verified 5*

Customer ratings

Featured within the Which? Report on Gap Insurance.

Protected by the Financial Services Compensation Scheme.


Your policy is fully FCA regulated and backed by the Financial Services Compensation Scheme.

4.9 OUT OF 5
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Total Loss
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