Total Loss Gap Reviews 

Although I purchased Alloy Wheel & Tyre insurance, which was a great product, when I talked it through with Mark, he suggested that one of his competitors products might better meet all my needs. There were only minor differences, but I cancelled without any issue.

So a big thank you to Mark/Total Loss Gap for their professionalism, honesty and excellent customer service.

Had to have a tyre replaced because it couldn't be repaired over the Bank Holiday weekend,I rang Tuesday morning at 9.30 and emailed the paperwork.Got a phone call 1230 to say they are happy to pay and send us your bank details.Thats what I call 5 star service.

Had to make a claim unfortunately due to car being stolen, the team were phenomenal in explaining everything and getting me what was deserved.

Will be using again.

I telephone total loss gap for advice on their Gap insurance products and had the pleasure of speaking to Mark. I had been given a quote via a main dealership and wanted to compare products. Mark was extremely knowledgeable about all the products which made feel at ease and gave me peace of mind in the company and their products.
Mark was very friendly and answered all my queries which made me 100% certain to purchase Gap Insurance from Total Loss and not the main dealership who had tried pressure selling a product which was not suitable for my circumstances.
I highly recommend a chat to Mark if you need any advice as his 15 years experience shone through and was reassuring together with excellent customer service.

Excellent customer service. They answered the phone promptly and gave me all the advice I needed to make an informed decision.
The first time I have ever ordered this type of product but thanks to the fantastic service I feel very at ease with my purchase.

I took out a policy with Total Loss Gap for Alloy Wheel Insurance and Cosmetic Damage Insurance. Total Loss Gap are more of a broker and my insurance as actually with Spectrum.

Unfortunately I had to make a claim but it was dealt with really quickly by Spectrum. Their own alloy wheel repairs company couldn't match the colour of my alloys so Spectrum gave me the option to find my own repairer. I did this and they sent me a cheque a week or so later to cover the cost.

After 9 months, I sold the car so called Total Loss Gap to either cancel the policy or move it to another car. Unfortunately they couldn't move the policy as the replacement car was purchased privately instead of via a main dealership. I was also told that normally I'd get a pro rata refund but as there was a claim on a policy this won't happen. I did a bit of maths and worked out that it would have actually been cheaper for me to have not had the insurance and paid for the repair myself! A fairer way to handle this would have been to have had a pro rata refund less any costs of claims. I called Total Loss Gap back and explained this and they could see my point so raised the question with Spectrum.

A few hours later, Total Loss Claims called me back to inform me that Spectrum had agreed with what I had said and were prepared to refund me the difference less the admin charges (£35 at time of writing).

Any company who can see where something might be not quite right and are prepared to legitimately look in to it and correct it where possible, is a company I would like to deal with again and Total Loss Gap demonstrated that they are such a company. I will be contacting them in the future should I need any more of the services that they provide.

Called up for a quote and the chap took his time and explained whats the best policy for me and was cheaper than the initial quote.
Very good customer service and even when i called back i was speaking to an agent within 2mins.Bigger companies should take note.

Nothing was too much trouble, no pressure. Excellent service. So big thank you and all the best. Shame you do not offer extra NHS discount but hey I understand.

No trouble with the sign up process, Easy, simplistic and stress free.

Was recommended to use Total Loss by a friend who made a Gap claim. Have used Total Loss for Gap Insurance and Tyre and Alloy wheel cover for three family cars now. Made claims for tyres and alloy wheel repairs. Very easy to do and sorted out quickly. Will use again

Dear All,

I have total gaps Insurace with this company, I paid one off payments to covet my car for three years.

Unfortunately I have accident and my car is declared total loss so I have no option to settle my claim through gaps policy when I phone totallossgaps company they referred to me spectrum insurance.

I give all my accident details next day they asked to send all documents which I did and today they said my gaps claim in invalid,

This is very frustrating to me because i need to clear my outstanding finance.

So I recondition is please don’t buy the policy from this company

Thanks

I purchased Tyre and Alloy insurance from TLG when I bought my one year old Volvo from a main dealer two years ago. Last Monday I had to take the car to the dealer for its first MOT and a service. Due to shielding I haven't even been into a shop since March, so this was a big deal, but I needed to keep the car legal as I need the car. I dropped it off in the morning and returned home. Later in the morning I received a phone call saying that on inspection one of the tyres had a deep cut and would fail the MOT unless it was replaced, so I agreed to this. I collected the car the next day. I have the inspection sheet from the dealer clearly indicating that the tyre could not be repaired and would fail the MOT. As I have a service plan, the labour to replace the tyre was provided free by the dealer, so I just had to pay for the tyre. Over the weekend I remembered that I had insurance and rang this morning to ask about the claims procedure. I was informed that I should have taken a photograph of the tyre in advance and that unless I could provide one then my claim wouldn't be entertained. I have asked the dealer and they no longer have the tyre. I have documentary evidence that the tyre needed to be replaced which I offered to photograph and send to TLG, this would have provided the name of the technician, the time and date of the inspection and the contact details for the dealership (a main dealership for Volvo), they weren't interested, all they could do was repeat their procedure. In these times most people are trying to find a way to get through life safely, be flexible and help people, alas not insurance companies it seems, quelle surprise!

Update - 17/11/20 About a month ago I received a phone call from TLG, wishing to investigate my experience. I was asked to forward the documentation which I had, proving that I had a valid claim. This done, I received another phone call, stating that the claim was indeed valid. I have subsequently received a cheque for my replacement tyre with an additional sum for a repair to another, which I hadn't sought in my initial claim (and which they were under no obligation to pay as I had not followed their standard procedure). Things can always go wrong and I feel that the measure of a company is how they respond. TLG have responded above my expectations and I am revising my rating to 4*

I’ve been with TLG for a number of years and having had low profile tyres have needed a couple of alloy repairs, a tyre replaced and a stone chip repair. TLG have been great, all repairs and replacements done speedily and without any fuss...just follow the process.
I’ve now changed my car and Mark has sorted me out with policies to cover all eventualities and considerably less cost than the dealer, at least half the price. I can highly recommend TLG and Mark who did all he could to help me out....nice work guys.

I used Total Loss Gap and they gave a great price on my Gap insurance over 3 year's. I change my car with my policy had just over 10 months to run and when i got new quote for my new car they only offered me a £10 as a good will gesture off my new policy.
I also took out the Alloy wheel cover for diamond cut wheels and i had a claim and the claim and repair was sorted out within 2 weeks and i was well happy with the repair the wheel came back as new.

At the outset this seems like a good deal until you try and make a claim.

I was recently informed by the dealer that my tyre had a nail in it. TLG state that you should take the car to a Halford Auto Centre and there was one just round the corner. However, they do not keep tyres in stock and would have to order one in for the following day. So you have to take the car (with a nail in the tyre) to a Halfords Auto Centre, they have to assess it and then send the request to TLG to authorise and this could take up to 48 hours according to Halfords (TLG disagreed with this). You then have to drive home and then drive back the following day (with nail still in tyre) to get replaced. Halfords then told me that their supplier could not supply my tyre brand (quattro so has to be the same tyre on all four corners) so I had to look for an alternative tyre centre and then get approved by TLG. I eventually found one but TLG would only authorise a *repair* not a replacement as the nail was inside the 'repair zone'. The tyre fitter did not recommend this given that I have a high performance tyre but TLG would not approve, so I opted for a new tyre and have had to cover the difference myself and only claim back the puncture cost.

I need to put in a claim for a scratch next so will see if that also presents obstacles due to red tape and small print.

My advice is to try and get feedback from people who have had to make claims before purchasing the cover. It may be cheaper to purchase but if the claim process is problematic then what price do you put on the time it takes to get an issue resolved?

Fantastic savings to be had by searching online for Gap insurance.

I had been quoted £399 from the car dealer and had better cover from Total Loss for only £149

Very Happy Customer here !