Powersports Gap Protection: Coverage That Matters

April 8, 2026

Every Powersports vehicle owner knows that their dream ATV, snowmobile, motorcycle, or personal watercraft starts to lose its value the moment it leaves the dealership. What happens then when it gets stolen or totaled? You still pay what you owe the dealership. Powersports Gap Protection is coverage designed to help you financially should your vehicle be considered a total loss.

Is Powersports Gap Protection necessary?

First off, did you know that approximately 20,000 Powersports vehicles get stolen each year? This includes All-Terrain Vehicles, Side-by-Sides, and Utility Task Vehicles. Motorcycles are in a category all their own as they appear to be the "favorite," with over 50,000 units stolen every year.

Now imagine you just brought home your motorcycle from the dealership and you're extremely happy about your purchase. You use it for six months, enjoying the adventures when suddenly you discover that it was stolen. Six months of ownership is the average time motorcycles get stolen. It's a devastating event. What's even more devastating is the fact that you still owe the dealership. You haven't fully paid your unit yet.

Paying for something that's no longer of any use to you, either because it was stolen or totaled beyond repair, makes no sense but that's how it works.

Powersports GAP will take care of the payments for you. Here's how it works. You purchase the program, which immediately becomes active, and then your vehicle gets stole or totaled beyond repair (or the cost of repairs is above its insured value). Powersports GAP will cover the difference between what you still owe the dealership and the insurance settlement or market value of the vehicle, whichever is greater.

So is it necessary? It is. For your peace of mind.

Torque Group Powersports GAP 150

Torque Group's Powersports Gap Protection is the best the industry, offering the highest GAP coverage available today. Coverage begins immediately and can be cancelled at any time. GAP 150 will cover the difference between NADA Retail Value or insurance settlement and what you still owe the dealership, including up to $1,000 of your insurance deductible.

Torque Group offers the GAP 150 for both new and financed certified pre-owned vehicles.

Give your customers peace of mind; provide them with the best total loss coverage in the industry today with Torque Group's Powersports GAP 150.

Call Torque Group at (800) 859-0590 to discuss Powersports GAP 150 and other aftermarket products that will benefit your customers.

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