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Claims | Total Loss GAP


All policies sold on the Total Loss GAP website have specialist claims teams appointed to process your claim. For details on who to contact please check your policy schedule. The claims team details will be shown on the bottom third of the page.


Further details are provided below.


If your Gap insurance Policy has been purchased on, or after the 7th of February 2024, please contact the claims team at 0114 321 9877 or email [email protected]


For all other policies, including Gap insurance purchased from March 2023 until the 7th of February 2024, with the following prefixes:

If you need help making your claim, please see your policy documents.

If you need to make an urgent claim (e.g. for a tyre ), please read your policy under the section out of hours procedure. 

Gap Insurance TOTGA3

Tyre Insurance : TLGTY

Alloy Wheel Insurance : TLGAW

Complete Wheel Tyre & Alloy : TLGCO

SmartCare & Alloy Wheel : TLGSC

Scratch and Dent Insurance : TLGSD

Motor Excess Insurance: TOTEX

Your claim will be processed by the Insurers Claims Team.


Please call the insurers' claims team on 0345 040 5975 or email them at [email protected]



For any claims on policies purchased on the Total Loss Gap website from 3rd February 2016 to March 2023, you will need to contact the dedicated claims team at Spectrum Insurance Services. You can contact them by:


Telephone : 0114 321 9877


Email : [email protected]


For policies purchased before 3rd February 2016 please refer to your policy documents or call our customer services team on 0800 195 4926 for further advice



Who are Spectrum Insurance Services?    


Spectrum Insurance Services are a specialist claims administrator who are authorised by our underwriters to process any claim on your policy. Their experienced team is on hand to assist you through the process.


To provide you with further assurance, Spectrum Insurance Services have been officially approved by Trading Standards in the UK, under the Buy With Confidence Scheme. 



For more details on this, please click the Buy With Confidence logo.   


Spectrum Insurance Services are also Authorised and Regulated by the Financial Conduct Authority in the UK. You can find more details on this by following this link - FCA Register Spectrum Insurance Services



Claims Procedure

If you are looking to make a claim, simply find the policy reference applicable and click the view terms button. You will be able to read through the Terms of the policy to find the claims procedure. If your policy reference is not shown on the current list, simply contact the customer service team, who will then go through the procedure with you and pass on any contact details. 


TOTAW - Alloy Wheel Insurance - PolicyTerms.pdf

TOTGA - Combined Return to Invoice & Replacement Gap Insurance - PolicyTerms.pdf

TOTGA - Contract Hire | Lease Hire Gap Insurance - PolicyTerms.pdf

TOTSD - Scratch & Dent Insurance - PolicyTerms.pdf

TOTSC - SMARTCARE Cosmetic Insurance - PolicyTerms.pdf

TOTCO - Combined Alloy Wheel & Tyre Insurance - PolicyTerms.pdf

TOTTY  - Tyre Insurance - PolicyTerms.pdf



Claims Rating - Currently Excellent | 5 out of 5

Recent Claims Reviews - Updated July 2020

Mr Dave Pople - Verified

"You only ever know how good an insurance policy is, when you need to use it, I had to use mine and I can honestly say Total Loss were brilliant from start to finish I would not hesitate to recommend TL. I have purchased another policy for replacement car."

Miss Nikisha Joseph - Verified

"My car was written off recently and I made a claim through my gap insurance. The claims process was very easy and payment was made quickly once I had provided all the required documents. I now have a new car and have bought a new policy from Total Loss Gap."

Mr Davy Cowie - Gap Insurance - Verified

"Claim handled super quick, spot on!"

Mrs Sharon Nield - Gap Insurance - Verified

"Really quick turnaround, so happy I purchased another policy for my new car. No complaints at all."

Mr Martin Innes - Alloy Wheel Insurance - Verified

"Just a thank you for a job well done.
I damaged a car wheel. Total Loss gave the go-ahead on the Tuesday for Claim repairs to be undertaken.
Revive contacted me to arrange a repair date - and agreed it to be done the following day.
Revive is a Company I have used before so it was great to once again speak with and have the assurance of Byron Lindsay.
The Engineer from Revive turned up at the agreed time and carried out the repair. A very amiable gentlemen who clearly takes pleasure in his work. The repair was completed and I could not tell there had ever been any damage.
So to both Companies - An excellent result for me. No stress or buck passing. Just a very good experience.