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What is Total Loss Protection?

It's a fact of life that your vehicle will almost certainly lose value over time - the chances are you'll never get back what you paid for it. But Total Loss Protection can help make depreciation a thing of the past in the unfortunate event of your vehicle being written off.

Top Up
While your vehicle's insurer will only pay out its current market value, Total Loss Protection cover will top this up by 25 per cent up to a maximum of £10,000.

Extra Funds
Our policy will give you extra funds to help you buy a suitable replacement more in keeping with the car you have lost.

Transfer Your Cover
If you sell your vehicle, providing no claims have been made under the policy, you can transfer the cover to your new vehicle.

What is Total Loss Protection
Total Loss Protection is designed to help bridge the gap between what you paid for your car and the insurance payout you receive if it is written off.

Why do I need it?

As soon as you drive your new car off the forecourt, it starts to lose value. And the newer the car, the more quickly it depreciates. Total Loss Protection helps to prevent a financial shortfall if your car is written off in an accident. You may have outstanding finance bills to settle which may not be covered by your insurer's payout, and you almost certainly won't get back what you paid for it. Our policy helps you to either pay off your outstanding loan or finance, or buy a replacement more in keeping with the car you drove off the forecourt.

What about modified and classic cars?

Modified or classic cars are often insured on an agreed value basis, however there may be some circumstances where agreed value is not available, such as a heavily modified car insured with no mileage restriction, or a classic vehicle that is kept on the road in certain parts of the country. For these people, Total Loss Protection can be an invaluable top up to ensure they receive the true value of their vehicle in the event of a total loss claim.

How much will it cost?

The premium is based on your vehicle's car insurance policy premium, as follows:

  • Up to £500: £40.00
  • £501 to £1000: £55.00
  • £1001 to £1500: £75.00
  • £1501 to £2000: £100.00
  • Agreed Value
  • Flux Rescue
  • Keycare
  • Misfuel
  • Wind Screen Cover
  • Personal Accident
  • Legal Cover


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