Gap Protection 150

Protection That Covers the Unexpected

Close the Gap on Total Loss Costs

built to protect your credit and your peace of mind

Torque Group’s GAP 150 is the most comprehensive Guaranteed Asset Protection program in the Powersports industry. If your vehicle is totaled or stolen and unrecovered, GAP 150 pays the difference between what your insurance covers and what you still owe — including up to $1,000 of your deductible. Coverage begins immediately and applies to both new and pre-owned financed vehicles. Whether it’s a motorcycle, ATV, snowmobile, or personal watercraft, GAP 150 is built to protect you from financial hardship and help you move forward confidently.

How It Works

A Powersports vehicle is considered a total loss when:

  • The cost of repairs or salvage exceeds its insured value
  • It is stolen and not recovered

Most total losses happen within the first 6 months of ownership — when the vehicle’s value has already depreciated but the loan balance remains high. Without GAP, you could be stuck paying for a vehicle you no longer have. GAP 150 eliminates that risk by covering the shortfall between your loan balance and the insurance payout.

Customer Benefits

  • Pays the difference between loan balance and the NADA Retail Value or insurance settlement (whichever is greater)
  • Covers up to $1,000 of your insurance deductible
  • Offers the highest GAP coverage available in the industry
  • Begins immediately and is cancellable
  • Available for new and pre-owned financed vehicles
  • Protects all major Powersports types: motorcycles, ATVs, snowmobiles, personal watercraft, and more

Why It Matters

Loan advances are increasing, and most vehicles depreciate the moment you leave the dealership. GAP 150 ensures you aren’t left with a loan balance on a vehicle that’s been declared a total loss — preserving your credit and financial stability.