Total Loss Gap Reviews 

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 !