Our regular Gap Insurance is no longer available online, the coverage we now sell exclusively is Total Loss Coverage.

Total loss coverage works differently than regular gap,  it helps you replace your vehicle with another one of equal or greater value. It is not insurance, it is a guarantee to assist in replacing your totaled vehicle.

This is for vehicles which were either:

• Purchased or refinanced within the last 6 months from a car dealer
• Loans or leases qualify regardless of the interest rate
• Available in 49 states
• Financed using a home equity loan or line of credit
• Or already paid off
• Purchased using a large down payment

Total loss coverage is available in 49 states for new and used cars and trucks. If your vehicle is a total loss for any reason including theft, collision, vandalism, etc, we will replace your vehicle with a vehicle of equal or greater value to the original vehicle. We guarantee to pay the difference up to $5000 between the original purchase price of the vehicle, and the actual cash value of your vehicle at the time of the loss and the apply the sum towards the purchase or lease of the replacement vehicle. The replacement vehicle must be purchased at the original selling dealer. The policy is good for up to 60 months, it does not issue a refund if canceled early.

Total loss coverage is $299 for 60 months of coverage. Total Loss coverage is not an insurance policy, it is coverage that helps you with the purchase of a replacement vehicle in case of total loss for any reason.

There is nothing worse than putting thousands of dollars down on a new vehicle purchase, then totaling it and losing that money because the vehicle has lost value. Activation is fast and easy. All products can be paid for with check, credit card, or paypal, or we have a payment plan available.