You must take all precautions to safeguard your vehicle against loss or damage. Where the vehicle is left unattended, all security devises or immobilisers must be activated, and all keys removed from it.

Theft committed by any person who has access to the keys for your vehicle is excluded; however, if the keys are stolen by someone else and the vehicle is subsequently stolen, then provided your main motor vehicle insurer is convinced that negligence was not involved and settles your claim, then your Total Loss Protect policy will pay out too.

Most vehicles can be covered, other than vehicles that:

• are over 3,500kg GVW, or are used for hire or reward (e.g. taxi, mini cab, courier or driving tuition),
• are scooters, trikes or quad bikes,
• are not listed in Glass’s Guide,
• have been previously recorded as an insurance total loss,
• have been modified from the manufacturer’s specification (unless agreed by Us),
• are used for courier services,
• are used for road-racing, rallying, or any other competitive event,
• have a purchase price in excess of £50,000 that are not fitted with a manufacturer approved tracking device,
• are insured under a motor traders’ policy.

Not all comprehensive motor vehicle insurance policies provide cover if insured vehicles are hit by an uninsured driver, so it is best to check your policy.

Total Loss Protect insurance is conditional on your main motor insurer settling your claim in the event that the vehicle is written-off. Provided they do, and you follow our claims procedure, then we will also make a settlement.

Yes, the policy wording explains in detail all exclusions; however, the most common reasons are:

• Any claim where the Total Loss is not subject to an indemnity under the accidental damage, fire or theft sections of your motor insurance policy.
• Any claim where you have the option to receive a replacement vehicle under the terms of your motor insurance policy in respect of the Total Loss of your vehicle. (The balance of this cover can be transferred to the replacement vehicle).
• Any claim where the loss is covered by any other insurance or warranty.
• Any claim where the Total Loss arises as a consequence of war, riot, civil commotion or terrorism.
• Any claim where the Total Loss is caused by an accident when the driver of your vehicle is under the influence of alcohol or drugs not prescribed by a registered medical practitioner or drugs prescribed by a registered practitioner in respect of which a warning against driving is given.
• Any compensation for loss of use of your vehicle or any resultant loss of any kind.
• Any claim where the Total Loss occurs outside the Geographical Limits.
• Any claim which is the subject of fraud or dishonesty.
• Theft committed by any person who has access to the keys for your vehicle.
• If your vehicle is used for road-racing, rallying, pace-making, speed testing, or any other competitive event or is driven by any person not holding a valid, current licence to drive your vehicle.

All named drivers on your main motor vehicle insurance policy; however, Total Loss Protect claim settlement is always conditional on your main motor vehicle insurer settling your total loss claim.

Anyone driving your vehicle under their own motor vehicle insurance or on a temporary/short term motor vehicle insurance policy will not be covered.

No; there is no need for it to do so because it would be refundable pro-rata by the DVLA if your vehicle is written off.

If your vehicle is declared a total loss by your insurer, you send section 9 of the vehicle logbook to the DVLA. You will then receive an automatic refund in the form of a cheque within 4 weeks.

Policies cannot be renewed or extended; therefore, it makes sense to effect a policy for as long as you plan to keep your vehicle.

Policies may be taken out for periods of 12, 24 or 36 months.

You must notify us of any possible claim under this Insurance before you accept any settlement offer from your main motor vehicle insurer, but in any event within 30 days from the point of Total Loss.

A claim form will then be provided to you with a vehicle valuation on which the motor vehicle insurer’s settlement should be based. You must not accept any settlement offer from your motor vehicle insurer until you have obtained our consent for you to do so. If you accept the motor insurer’s offer without our agreement, the insurer’s liability under this insurance will be limited the Glass’s Guide retail value at the point of Total Loss.

Yes, but it may not be assigned without the insurer’s consent. If you sell your vehicle or it is subject to an insurance total loss, provided that no claims have been made, you may transfer the remaining cover to the replacement vehicle, subject to the insurer’s prior agreement and payment of a £50 administration fee. A new Schedule will be issued confirming the replacement vehicle details. Where the replacement vehicle is deemed to be of a higher risk an additional premium may be required. Alternatively cover may be transferred to a new private owner. Transfers with motor trade involvement will not be accepted.

Where this Insurance is transferred, you cannot claim for 28 days from the Date of Transfer.

Only one transfer is permitted during the Period of Insurance.