Featured within the Which? Report on Gap Insurance.
Protected by the Financial Services Compensation Scheme.
Tyre Insurance from Total Loss Gap insures you against the cost of replacing, or repairing, your car tyres following damage sustained in an accidental or malicious incident. Examples would be running over a pot hole, picking up a nail in the tyre or someone slashing the tyres.
The cost of a replacement tyre can be high, and of course, these incidents always come at the worst possible time.
If you have a tyre 'blow out', run over a nail or even have some idiot slash your tyre wall with a knife, having to dip into your pocket to replace the tyre is not a pleasant experience. With low profile tyre walls and a number of manufacturers using the newer 'run flat' style of tyres, the cost of replacements can be upwards of £350.
It is also important to consider that if you do have run flat tyres then these are nearly impossible to repair. If you get even a puncture on these types of tyres then a new replacement tyre is almost inevitable.
When you add the condition found on typical roads these days, where avoiding pot holes is almost a daily occurrence, the chances of damaging a tyre is clear. This is why more and more people are considering Tyre Insurance to cover these circumstances where the damage renders the tyre unsafe and would not pass an MOT.
This is such an important question, and something we want to explain in as much detail as possible.
We understand that there are any number of Tyre Insurance products in the market today. You have probably been offered one by your motor dealer, and you will be able to find any number of products of the same ilk from other online providers.
Well, take a look at our graphic. We compare the costs of replacing a tyre against the cost of the Tyre Insurance you can get from us, all against some popular cars in today's market. We feel the illustration is self-explanatory. See what you think for yourself.
What makes Tyre Insurance from Total Loss Gap different? More claims and more cover ...
In order to purchase Tyre Insurance from totallossgap.co.uk you have to fit the below criteria:
Examples of where claims would not be permitted include:
1 - Do you have to buy another type of Insurance from Totallossgap.co.uk in order to buy Tyre Insurance too? - It has often been the case that with some other providers you have to buy say a Gap Insurance policy first in order to qualify to buy Tyre Insurance too. At the time of writing, we are pleased to confirm that is not the case with Totallossgap.co.uk. You may buy a Tyre Insurance policy independently from buying Gap Insurance, Alloy Wheel Insurance or Motor Excess Insurance.
2 - Why is there a maximum limit of 30 days from when you buy the vehicle as the maximum period in which you can buy Tyre Insurance from Totallossgap.co.uk? - This is simply a fraud prevention measure. As you can buy the policy online then there would be a temptation for someone who has need of a Tyre Insurance policy (as they have just suffered a 'blow out') to go to our website and buy a policy to cover the cost. We have seen very high numbers of very early claims (for example with 20% of the total number of claims coming within 10 days of policy purchase) with some policies in the past without this measure.
By keeping the policy much fairer to our customers and insurer we can see claims costs kept in line with expectations, with all legitimate claims paid, and therefore being able to maintain very good value policy prices.
A high number of 'dodgy' claims simply means prices would go up. We are only interested in offering the best value products who those who intend to use the policy legitimately.
3 - Where can my Tyre Insurance claim be processed? - The main account that the claims team will use is with Halfords. Having a nationwide chain of fitting centres, this makes Halfords a perfect fit for our customers. Using Halfords may not always be convenient for you so our claims team will assist you in ensuring the tyre is replaced, or repaired, at a reputable tyre retailer.
4. - What type of damage cannot be claimed for on Tyre Insurance from TLG? - There are a couple of areas to use, as examples, to answer this point (please check the policy terms via the link below for full exclusions). The first would be typical wear and tear. Tyres wear down with normal road use, a tyre that needs replacing due to wear and tear would not be covered. Another example would be where the damage incurred does not render the tyre unsafe, ie it would pass an MOT. Another final example would be where you use the vehicle for unusual uses like racing, rallying or track days. These are likely to see a higher chance of damage and would not be covered by the policy.
If you are thinking about Alloy Wheel Insurance to add to Tyre Insurance then please take a look at our Complete Wheel Insurance. This combined product mixes our Alloy Wheel Insurance with our Tyre Insurance, and allows you 4 claims for each part, each and every year.
Not only does the combined product offer cover for run flat and standard tyres, but also for the often excluded diamond and laser cut alloys too.
What is more, by taking the combined product it is cheaper than taking the Tyre Insurance and Alloy Wheel Insurance separately. 'Win win' for more claims, more cover AND lower premiums we say!
Your policy is fully FCA regulated and backed by the Financial Services Compensation Scheme.
We are here to help! Search our help centre for any questions you may have.