Total Loss Protection (GAP)®

A full-term protection program for new & pre-owned vehicles to help protect you and your credit rating.

Generally, vehicles are declared a ‘total loss’ when the repair cost approaches the wholesale value, or when the damage affects the frame itself. With today’s repair costs, your vehicle is more likely to be written off as a total loss than repaired.


Our Total Loss Protection:

  • Is available for the full-term of your loan or lease up to 96 months
  • Covers loan or lease amounts of up to $100,000
  • Gives you peace of mind at the time of an accident


Insurance coverage that protects you when there is a total loss of your vehicle.

The difference between your primary insurance settlement and the amount still owing to your financial institution is known as the “GAP”. This typically represents thousands of dollars on a total loss of your vehicle.


Total Loss Protection makes the “GAP” payment for you plus covers your deductible up to $1,000.

  For example: Gap-Diagram-Purple  

$24,000 (Outstanding loan or lease balance)
– $17,000 (Auto insurance valuation)
$ 7,000 (GAP) + up to $ 1,000 (Auto insurance deductible)


Total Loss Protection

Avoid many of the unexpected out-of-pocket expenses related to a total loss.

  • Pays your deductible of up to $1,000
  • Protects your credit rating
  • Could save you up to $50,000 by covering the “GAP” in your insurance settlement
  • Gives you peace of mind at the time of a total loss


Interested? Get in touch to learn more.

*Please note: the prices and programs as displayed on this page are only available in Ontario. If you are located in a province other than Ontario please contact your Dealership or local Sales Representative for more information.
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Any questions about our company or products?
Please let us know!


35 West Pearce
Richmond Hill, ON L4B3A9
Dealer Support:
1.800.363.5796 Warranty Department: 1.888.363.1101


150 West Beaver Creek
Richmond Hill, ON L4B1B4
905.889.5390, extension 2310


9460 Henri-Bourassa Ouest Saint-Laurent, QC H4S1N8


For claims please  Click Here

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