One of the most distressing or upsetting experiences that a vehicle owner could go through is the loss of their beloved vehicle. Whether it’s a family sedan or a powersports machine like an ATV, losing the vehicle is something no owner would ever want to go through. Powersports GAP Total Loss Protection is a program offered by Torque Group to make this type of loss a little more bearable.

Powersports GAP Total Loss Protection

The Powersports GAP 150 program was developed to specifically provide owners of powersports vehicles with financial assistance should it be determined that the covered vehicle is a total loss; that is, completely unusable due to damage from an accident or irrecoverable due to theft.

Do you really need this type of program?

The short answer to this is yes, you do need this type of protection because with vehicle ownership, because you never know what’s going to happen in the future. One minute it’s smooth riding and the next, it gets stolen right under your nose, or worse it figures in an accident that deems it damaged beyond repair. This is particularly true for powersports machines as they are a favorite target for theft. Additionally, since these vehicles are generally used for recreational enjoyment and usually under extreme road conditions, the risk of getting into an accident that would total the vehicle is quite high.

What you need to remember about Powersports GAP Total Loss Protection

To help you decide whether or not to purchase this additional protection from your dealership, here are the most important things you need to know about this type of program:

  • Powersports GAP 150 covers the difference between the retail value of the vehicle and the loan balance
  • The program pays up to $1,000 of your insurance deductible
  • Coverage starts as soon as you purchase the protection plan and sign the agreement/contract

In terms of determining the difference between the retail value and remaining loan balance, the GAP 150 may use the National Automobile Dealers Association (NADA) Retail Value or the insurance settlement, whichever is higher or greater at the time when the vehicle was deemed a total loss.

Based on surveys, total losses occur within the first six months of vehicle ownership, so for your peace of mind and financial protection, consider purchasing this protection plan from your dealership.

Do you wish to include Torque Group’s exclusive Powersports GAP Total Loss Protection in your dealership’s additional service offerings? Please feel free to call us at (800) 859-0590. You may also send a message at