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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 you 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 percent 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 its 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 following a claim.

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 OR 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 length, as follows:

3 months: £19.00

6 months: £29.00

9 months: £39.00

12 months: £49.00

WANT TO FIND OUT MORE?

Full details of cover provided are in our policy booklet. If you would prefer to buy your policy over the phone, you can speak to one of our highly trained staff.

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