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Welcome to QDOS Total Loss Protector

QDOS Total Loss Protector will pay you 25% on top of your total loss settlement


How GAP Insurance Works

*In most scenarios customers purchasing QDOS Total Loss Protector will have enough to pay off outstanding finance with money left over. However, the amount you will receive in settlement and whether it is sufficient to pay off any outstanding finance and provide a deposit depends on your individual circumstances. Please see "Our Insurance" for guidance on determining suitability.


When your car is written off by your insurance company sometimes the settlement does not seem enough, even though your insurance company are paying the correct market value. QDOS Total Loss Protector helps by paying you an extra 25% of the market value of your car at the time of the loss and we even reimburse the first £250 of your motor insurance excess.

You don't need a reason to buy QDOS Total Loss Protector other than you want a bigger settlement if your car is written off. For people who bought their car on finance, the extra 25% can reduce the impact of negative equity and in some cases leave enough for a deposit on a new car. For people who own their car outright, if you take extra care to look after your vehicle Total Loss Protection might make sense, because the market value paid by your insurer does not take account of how well you've looked after your car. If you have maintained it to a high standard, replacing your car with something even remotely as good on the open market might be tricky. Or you may simply want a larger settlement to buy a newer vehicle.

QDOS Total Loss Protector is like a Guaranteed Asset Protection (GAP) Insurance, but with a difference. Unlike traditional GAP products our policy is not connected to finance and you can buy it at any time as long as your car is less than ten years old*. It is a simple way to make sure you have more money to buy a better replacement car than otherwise you could with an insurance settlement, or a way to protect against having outstanding finance if your car is written off



*A full list of exclusions can be found in our policy documentation

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