Total Loss Protection Explained | Barnetts Volkswagen

Total Loss Protection Explained

Your motor insurance may only cover the market value of your vehicle. TLP will make up the shortfall back to the original invoice price or pay off your finance early settlement amount... whichever is the greater.

Although your motor insurance gives you invaluable protection, does it give you all the cover you need if your vehicle is stolen or written off? Many motorists have found that their motor insurance lets them down just when they need it most. That’s because your motor insurance may only cover the current market value of your vehicle, the amount you originally paid is likely to be much higher. Total Loss Protection (TLP) is a simple “top up” to your current motor insurance.

About the cover:

  • TLP is available on all new & used vehicles up to 10 years old and 100,000 miles
  • TLP covers you for a period of 2, 3 or 4 years from the date of purchase
  • TLP is paid out as a supplement to your Comprehensive Motor Insurance
  • TLP covers all factory fitted manufacturer approved accessories
  • TLP covers dealer fitted accessories
  • TLP is subject to a maximum claim limit of £40,000
  • TLP covers up to £250 of your Motor Insurance Excess in the event of a total loss.

Significant Exclusions:

  • Vehicles used as courier or delivery vehicles, taxis, driving school cars or used for hire or reward or road racing, rallying, pace-making or any other competitive event
  • Grey imports, kit cars, commercial vehicles over 3.5 tonnes or any vehicle not listed in Glass’s Guide
  • Vehicles modified other than in accordance with the Manufacturer’s specification, where it is determined that the total loss occurred as a result of the modification
  • Vehicles owned by a garage, vehicle trader or any other associated vehicle trade company
  • Where the vehicle has been driven outside the territorial limits and where a motor insurance policy has not been kept in force on that vehicle providing cover equivalent to that enjoyed in the United Kingdom.
  • Civil commotion, terrorism, riot or insurrection, war or any act incidental to war
  • If the Motor Insurance claim is declined
  • If the vehicle is replaced by the Motor Insurer
  • (full details are provided in the policy wording)

The Insurer:
This policy is provided by Motors Insurance Company Ltd, which is authorised and regulated by the Prudential Regulation Authority and the Financial Conduct Authority. Terms, conditions, limitations and exclusions apply.
A copy of the full policy wording is available on request.


  • You are resident in England, Scotland, Northern Ireland, Wales, Isle of Man or the Channel Islands
  • You are at least 18 years of age
  • You are covered under a fully comprehensive motor insurance policy for the vehicle

Cost of Cover:
Passenger Vehicles and LCV up to 3,500kg


Invoice Price: £NIL to £15,000
Claim Limit: UNLIMITED


Invoice Price: £15,001 to £25,000
Claim Limit: UNLIMITED


Invoice Price: £25,001 to £50,000
Claim Limit: UNLIMITED


Invoice Price: £50,001 to £75,000
Claim Limit: £25,000


Invoice Price: £75,001 to £100,000
Claim Limit: £30,000


Invoice Price: £100,001 to £125,000
Claim Limit: £35,000


Invoice Price: £125,001 to £150,000
Claim Limit: £40,000

Your Right to Cancel:
If you change your mind having purchased TLP you may cancel your policy within 30 days of receiving it by contacting the administrator, provided you have not made a claim. A full refund will be given After 30 days you may cancel at any time by following the procedure in the policy document. A refund will be provided in accordance with policy conditions.

Claims procedure:
Claims should be notified within 30 days of the Total Loss to the Administrator, Car Care Plan on 0344 573 8069. Follow the claims procedure contained within the policy document.

Complaints Procedure:
We hope that you are satisfied with the service we provide but if you have cause for complaint about your policy please contact:
The Customer Services Manager:
Car Care Plan GAP Administration, Jubilee House, 5 Mid Point Business Park, Thornbury, West Yorkshire BD3 7AG.
Telephone: 0344 573 8069.

If your complaint relates to the sale of the policy please contact:
Eastern Western Motor Group Ltd:
Head Office, 8 Westerton Road, East Mains Industrial Estate, Broxburn, Edinburgh EH52 5AU

If you remain unsatisfied, you also have the right to ask the Financial Ombudsman Service to review your case:
The Financial Ombudsman Service:
Exchange Tower, London E14 9SR.
Telephone: 020 7964 1000.

Financial Services Compensation Scheme::
In the event that the Insurer, Motors Insurance Ltd, is unable to meet its liabilities you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS). Further information can be found in your policy under “Financial Services Compensation Scheme”.