Key Features

• Totallossgap.co.uk is FCA authorised and regulated and backed by the Financial Services Compensation Scheme.
• All factory fitted options are covered and upto £1500 worth of dealer fitted options covered.
• There is no excess to pay, instead we pay the first £250 towards your motor insurance excess.
• You have a full 30 day cooling off period, within which you can cancel and obtain a full refund.
• No maximum claim limit, you don't have to guess what claim limit is suitable for you.
• Combined Return to Invoice & Combined Vehicle Replacement in one combined policy.

Have any questions or queries? Call our award winning customer service team on either 0151 647 7556 | 0800 195 4926

How a Combined Total Loss Gap Insurance policy works ...

We take the guess work out of Gap Insurance, no more difficult choices of which policy is best for you or what level of claim limit will be sufficient, instead we combine the three highest levels of cover into one comprehensive policy with no upper claim limit. In the event of a total loss, this policy will top you up from what your own motor insurance pay for the vehicle back up to the HIGHER of either ... 

1. The amount outstanding on finance (if applicable)

2. The original invoice price you have paid for the vehicle (Return to Invoice)

3. The cost to replace the vehicle with another vehicle, the same age, mileage, make, model and specification as yours was on the day you first drove it home/ took delivery. If the vehicle is no longer available at that time, settlement will be based on the superseding model (Vehicle Replacement).

The very best of all three different types, whichever is the highest settlement figure at the point of total loss, is the figure you are returned to.

Have any questions or queries? Call our award winning customer service team on either 0151 647 7556 | 0800 195 4926

Contract Hire/Lease Hire Gap Insurance

If you have taken the vehicle on a form of lease or contract hire where you have no option to own the vehicle at the end of the agreement, Gap Insurance will perform in a slightly different way for you. As you have no option to own the vehicle at the end of the agreement, your only liability is what you owe to the lease/contract hire company. 

Therefore, Contract Hire/Lease Hire Gap Insurance will only protect your outstanding liability meaning that in the event of a total loss, we simply clear what you owe at the end of the agreement and you walk away with no liability. You also have the option of protecting up to £3,000 of any deposit or initial rental through the additional options section of the quote page. This means that in the event of total loss, not only do you walk away with no liability, you now have your full cash deposit back with you.

Additional Option: Protect upto £3,000 of any deposit/initial rental you have put down.

Have any questions or queries? Call our award winning customer service team on either 0151 647 7556 | 0800 195 4926

Total Loss Gap - Best Price Guarantee

In the very unlikely event that you find a cheaper equivalent quotation, please don't hesitate to contact our award winning customer service team on 0800 195 4926 | 0151 647 7556 and we will be more than happy to beat it.

However, we must highlight that we do have a dedicated team that price check on a daily basis, to ensure that we remain the best price you will find, no matter what price your vehicle or how long you wish to cover it for.

We don't operate any discount codes or ask you to shop around to find a better price before lowering our price, instead we offer the best price, first time and every time.

Have any questions or queries? Call our award winning customer service team on either 0151 647 7556 | 0800 195 4926