Total Loss Protection - You Never Know What's Around The Corner...


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.

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 selling dealer, provided you have not registered 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 90 days of the Total Loss to the Administrator, AutoProtect (MBI) Limited. 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 please refer to the policy document. 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, Acasta European Insurance Company Limited, 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”.

Total Loss Protection GAP Insurance:

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 and used vehicles up to 10 years old and 100,000 miles.

Claims procedure

  • Claims should be notified within 90 days of the Total Loss to the Administrator, AutoProtect (MBI) Limited. Follow the claims procedure contained within the policy document.
  • TLP covers you for a period of 36 months 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 manufacturer approved, dealer fitted accessories up to £1,500
  • 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, 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 fully comprehensive 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.

The Insurer

Red Sands Insurance Company (Europe) Limited is registered in Gibraltar Reg. No: 87598. Registered office: Level 3 Ocean Village Business Centre, 23 Ocean Village Promenade, Gibraltar. Red Sands Insurance Company (Europe) Limited is authorised and regulated by the Gibraltar Financial Services Commission and is subject to limited regulation by the Financial Conduct Authority and the Prudential Regulation Authority in respect of business underwritten in the UK (FRN: 231635).

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

Get In Touch

Consumer Information

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