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Toyota Total Loss Asset Protection

If your car is stolen, or written off in an accident, fire or flood, Toyota Total Loss Asset Protection is there to help you get back what you paid for your car and to assist in getting you back on the road

What's included?

- Up to 3 years' cover plus additional cover for any finance shortfall after the initial term (up to 12 further months) to match the term of your finance agreement.
- Vehicles with a Net Invoice Price* up to £75,000 with no maximum claim limit up to the Net Invoice Price* of your vehicle.
- A payment of up to £250 as a contribution towards your Motor Insurance Excess≠
- £300 Total Loss Assistance payment to help with any incidental expenses connected with your total loss‡
- Factory and Dealer fitted Accessories.
- Finance Deposit Allowances (a discount offered by Toyota Financial Services on certain makes and models from time to time)
- Unlimited mileage.

For a full list of what is and is not covered, please refer to the policy wording.
Some exclusions are listed below under the frequently asked questions section.

*Net Invoice Price - the amount that you have paid for the vehicle itself, excluding non-dealer fitted options and extras such as the road fund licence, or negative equity.

‡ Total Loss Assistance is paid as part of your claim and only paid once during the term of the Toyota Total Loss Asset Protection policy.

≠Motor Insurance Excess Contribution is the amount stated on your certificate of motor insurance up to a maximum of £250.


*Your motor insurer may charge you an excess when you make a claim on your motor insurance policy for which Toyota Total Loss Asset Protection would contribute up to £250.

Please note: if the finance settlement figure is greater than the Net Invoice Price, the benefit will be calculated at the difference between the finance settlement figure and the market value. This will then be paid directly to your finance company.


What is not covered by Toyota Total Loss Asset Protection?

Dealer discounts, government grants and/or scrappage schemes; additional items that appear on the purchase invoice (e.g. paintwork protection, cherished number plate transfers, or fuel); New vehicle registration fees; Vehicle Excess Duty; Negative Equity; Modifications made to your vehicle during the period of cover.

For a full list of exclusions, please refer to your policy documentation.

If there is more than one regular driver of my car, will they each need a separate policy?

No. The owner of the vehicle can take out Toyota Total Loss Asset Protection and the vehicle will be covered when driven by other drivers as long as they hold a valid licence to drive the insured vehicle and are legally entitled to drive it.

Am I covered if I drive my car abroad?

Yes. The cover is for vehicles used principally in the UK but you are covered in any country that is a member of the European Union at the time of loss, plus Iceland, Liechtenstein, Norway, Croatia and Switzerland.

Can I use my car for work and still be covered?

Yes, you can use your car for work provided it does not involve hire and reward.

Exclusions include but are not limited to; taxi, courier services and private hire. Pace making, racing, speed testing and reliability trials are also excluded.

How do I make a claim?

As soon as possible after the incident resulting in your car being written off, you should contact the administrator of the policy, InsureThat on 0333 0444 701. They will take your details and manage the claim with you. You can also register a claim via their website at: https://toyota.insurethat.com

What happens if I sell my Toyota before the end of the Total Loss Asset Protection Policy?

If you sell your car before the end of the policy, and you’ve not made a claim, you can cancel the policy and obtain a pro-rata refund equivalent to the premium for the remaining term of the policy. The remainder of the policy is not transferable to your new car. The policy is not transferable to the new owner of your vehicle.

Some insurers will provide me with a replacement car if I write my car off in the first year of ownership. Can I defer the start date of the policy?

The start date will always be the date you take delivery of your new car. However, if you wrote your car off in the first year of ownership and received a replacement vehicle from your motor insurer, you could transfer your Total Loss Asset Protection policy to the replacement vehicle, subject to certain conditions.

In this event, you could claim for the product's Motor Insurance Excess Contribution and Total Loss Assistance benefits. Please note however that each of these benefits are only payable once during the policy term.

Can I transfer my Toyota Total Loss Asset Protection Policy to another vehicle?

If your new car is written off within 12 months of purchase, and your motor insurer provides you a replacement vehicle rather than a monetary settlement, your policy can be transferred to the replacement vehicle subject to certain conditions. The policy cannot be transferred to another vehicle in any other circumstance.

How long do I have to make decision on taking out Toyota Total Loss Asset Protection policy?

You have up to 30 days from the delivery of your car to purchase the cover from your local Toyota Centre.

How does the Toyota Total Loss Asset Protection Motor Excess Contribution payment work?

If you incur an excess as part of a total loss motor insurance settlement and we authorise your claim, we’ll pay you up to £250 towards the cost of your motor insurance policy excess.

This benefit is payable only once under this policy.

How does the Toyota Total Loss Asset Protection Total Loss Assistance payment work?

If your vehicle is declared a total loss within the period of cover and we authorise your claim (including if you are entitled to a replacement vehicle under your motor insurance policy), we will pay you £300 to help cover the extra expenditure associated with being without a vehicle.

This benefit is payable only once under this policy.