Total Loss Protection
Ride Protected. Even After the Unexpected.
Coverage That Helps You Replace What You Lost
Up to $5,000 toward a replacement vehicle after a total loss
Torque Group’s Powersports Total Loss Protection (TLP) program offers financial protection when you need it most. Whether your vehicle is stolen and unrecovered or totaled in an accident, our TLP plan provides up to $5,000 toward a replacement. With fast claims processing, strong coverage, and seamless integration with your dealership, this program gives customers peace of mind—and brings them back to you.
How It Works
A Powersports vehicle is considered a total loss when the cost of repairs or salvage exceeds its insured value or 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.
Every year sees numerous collisions that damage Powersports vehicles beyond repair. The theft of motorcycles, ATVs, and other types of Powersports vehicles also remains a serious issue in our society. But with our Total Loss Protection coverage, customers can feel safe in the knowledge that they’re protected from the steep costs associated with accidents or thefts.
Customer Benefits
- Coverage begins immediately at the time of vehicle purchase
- Up to 4 years of Total Loss Protection
- Provides up to $5,000 toward a replacement vehicle
- Available for both cash and financed purchases
- Offers peace of mind in the event of theft or total loss
The Powersports Total Loss Protection plan goes well with the GAP Total Loss Protection program, which pays the difference between the amount you owe the dealer (based on your Retail Installment Sales Contract) and the Actual Cash Value of the Powersports vehicle at the time it was declared a total loss.
Dealer Benefits
- Brings customers back to your dealership for a replacement
- Adds value beyond GAP by covering more customer scenarios
- Can be sold to both cash and finance buyers (must be sold at time of sale)
- Pairs perfectly with GAP 150 for complete loss protection coverage
- Builds trust and adds profitability in the F&I office
Why Torque Group?
We don’t just cover your customers after a total loss—we make the claims process fast, simple, and dependable. With same-day payouts, real support, and unmatched consistency, Torque Group helps you protect more and recover faster.
