Total Loss Plus Insurance

Why choose Howden for total loss plus insurance?

Here at Howden, as a motor insurance broker, we pride ourselves on doing the heavy lifting, so you don’t have to. And that’s no different when it comes to getting you total loss plus insurance. Thanks to the great relationships we have with our selected panel of standard and specialist motor insurers, we make the process of comparing various insurance policies, on your behalf, simple and easy. What’s not to like?

We also appreciate that each policy needs to be as individual as its owner and their vehicle, and that’s why we provide a tailored, personalised service, focused on getting to know you and finding out exactly what you want from your insurance coverage.

All in all, just remember, whether you need to make a claim, purchase a new motor policy, or renew an existing one, we’re here to help.

Benefits of working with us:

• You can trust us – we’re rated Excellent on Trustpilot.
• We’re driven to save you time, money, and hassle.
• Benefit from a tailored service that comparison sites can’t provide.
• Speak with your local branch, within your community.
• We’re right by your side in the event of a claim.

What is total loss plus insurance?

If the worst happens and your vehicle is a write-off, it may be difficult to afford the replacement you'd like. With total loss plus insurance, if your vehicle is damaged beyond repair, you'll either receive an agreed-upon value for the vehicle, or 25% more (up to £10,000) than the market value of the vehicle, depending on the insurer’s conditions.

Ultimately, this insurance is designed to help bridge the gap between the insurance pay-out you receive once a vehicle is written off, and the amount you paid for the vehicle.

This type of cover is considered more of an insurance generic add-on or optional coverage which can be included as part of your standard motor insurance policy. It can be particularly valuable for drivers who have financed their vehicles with a loan, as it helps protect their financial investment in the event of a total loss situation.

Despite all this, it’s important to remember that every insurer is different, and what they will and won’t pay out for will vary. That’s where we can help. Speak to us today and we can guide you through the process of getting total loss plus insurance that works for you and fits your personal requirements.