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Who underwrites your 'Total Loss Gap' branded policy?


Since the launch of the Total Loss Gap brand in 2015, there have been several insurers (underwriters) for the Total Loss branded products sold by


At the website launch in February 2015, the underwriting insurer was UK General Ireland on behalf of UK General Insurance.


From 3rd February 2016, Qudos Insurance A/S took over being the insurer Total Loss Gap branded products, bar the motor excess cover which was underwritten by Building Block PPC.


Following the withdrawal of Qudos Insurance A/S in 2018/19 all Qudos underwritten products were transferred to Canopius Management Agents (Lloyds of London syndicate 4444) in March 2019.


Acasta European Insurance Company Limited underwrote policies purchased between 19th March 2018.


From the 7th of February 2024, all new Gap Insurance policies will be underwritten by Financial & Legal Insurance Company Limited. Acasta European Insurance Company will continue to underwrite all other supplementary policies except Gap insurance.


We make no apology for sometimes changing our underwriters as we believe that we have a duty of care to you to ensure that our meticulous service standards and value for money are constantly monitored and challenged. 


We also work closely with our underwriters to ensure that The FCA guidelines and consumer duty responsibilities are met. 


Most importantly, no matter when your policy was purchased, it will have been

  1. An insured policy, backed by an underwriter.
  2. It will have been provided by an insurance company that was regulated to be able to provide policies within the UK
  3. It will be backed by the Financial Services Compensation scheme.
  4. All Customer Services Teams will be based in the UK
  5. All claims Teams will be based in the UK.

To confirm the underwriter of your policy, please check your policy documentation.