When your insurer pays out, will it be enough?
If your car is written off or stolen, your motor insurer pays the current market value — not what you paid or what you owe on finance. Total loss protection (GAP insurance) covers the difference, so you're not left with a shortfall on your finance agreement or out of pocket on a replacement.
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Total Loss Protection is designed for
New Vehicle Buyers
Protect your investment from day one. If your new car is written off, we cover the difference between the insurer's valuation and what you paid.
PCP & HP Finance Customers
Cover the gap between finance settlement and insurance payout. Essential if you're financing through PCP, HP, or lease agreements.
Fleet & Business Vehicles
Protect your fleet investment and maintain cash flow. Specialist business vehicle GAP insurance with flexible terms.
Choose the right protection
Six types of GAP insurance to match your needs
Return to Invoice (RTI)
Covers the difference between the invoice price and the insurer's settlement. Ideal for new vehicle buyers within 1–3 years.
Vehicle Replacement
Covers the cost of replacing your vehicle with a new model if written off. No depreciation deduction from the insurer.
Finance GAP
Protects PCP and HP customers from shortfalls on outstanding finance. Covers the gap between settlement and what you owe.
Contract Hire GAP
For lease and contract hire vehicles. Covers any excess you're liable for under the lease agreement if the vehicle is written off.
Commercial Vehicle GAP
Specialist cover for commercial vehicles, vans, and business fleets. Protects your investment and maintains operational cash flow.
Lease GAP
Covers the gap on personal and business leases. Protects you from excess charges if your leased vehicle is declared a total loss.
What sets us apart
Standalone Specialist
Not a bolt-on. We design total loss protection specifically for your circumstances, not one-size-fits-all dealer cover.
Better Value Than Dealer
Dealer GAP insurance often costs more and covers less. Our expert brokers find you better value through specialist markets and improved terms.
Flexible Terms
1–5 year terms to match your finance agreement. Annual or single premium options to suit your budget.
Claims Advocacy
Our claims team negotiates on your behalf if there's a shortfall. You're not alone fighting your insurer or finance company.
Total Loss Protection FAQs
Don't leave yourself exposed to a financial shortfall
Get a quote for total loss protection today — it takes just 2 minutes.
Get a Free QuoteWhat our clients say
"Brilliant service. Covered the shortfall when my car was written off. Would've been £4,000 out of pocket without Forum."
"Much better value than dealer GAP insurance, and the cover is actually broader. Highly recommended."
"Claims process was straightforward. Forum's team handled everything with the insurer. Excellent support."