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Total Loss Protect Insurance

Total Loss Protect Insurance (TLP) pays up to £10,000 in addition to your motor insurance in the event of a total loss.

The policy will pay a cash lump sum equating to 25% of your motor insurer’s settlement amount in the event of the total loss of your vehicle, to contribute towards otherwise uninsured expenses such as a policy excess and/or the value of vehicle contents and/or personal effects and/or any depreciation in the value of that car.

  • Covers New & Used Cars
  • Cash lump sum benefit up to £10,000
  • Covers all drivers on your insurance policy
  • 30-day money-back guarantee

GAP Insurance Calculator

Comprehensive Insurance
Potential loss

Only £ 8,550 would be covered by your Comprehensive Car Insurance
leaving a gap of £10,450

Protect yourself with GAP Insurance

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See what our customers are saying about us

Heather Smith 28 Oct 2025

55 star rating

Used several times only claimed once due to car being stolen, excellent customer service and speedy service in payment

Alex Sissons 24 Oct 2024

55 star rating

3rd policy I've had and best price by far

Janine Withers 23 Dec 2025

55 star rating

This is the 3rd policy I have brought from Direct Gap, their staff are always so friendly & helpful, I keep coming back to them.

Graham Anderson 17 Dec 2024

55 star rating

Fantastic service, great technology. We've been using direct gap for years. Always very helpful on the telephone as well

Kerry Parry 1 Mar 2024

55 star rating

Easy process that is what you want, Diane was nice

Craig Richards 7 Nov 2025

55 star rating

Existing customer, easy to use portal, and helpful staff

Neil Porteus 23 Jul 2024

55 star rating

Excellent value gap insurance. In the past my daughter has had to make a claim under a Direct Gap policy and it lived up to its expectations. Also very easy to purchase online.

Carolyn Lyle 16 Sep 2025

55 star rating

Great information easy to understand and £100 less than my dealer offered.

Alan Stewart 20 Oct 2025

55 star rating

Excellent website which is easy to use and a range of policies to suit your needs. The price of the policy I chose was very competitive and cheaper than most. I also liked the high…

Rachael McCormack 28 Feb 2025

55 star rating

This is 3rd policy weve taken out, much cheaper than dealership and easy to complete

GEOFFREY HARDMAN 4 Nov 2025

55 star rating

Easy to set up, used this firm over many years

Barbara Stewart 4 Dec 2024

55 star rating

Hayley was brilliant 🤩 I had done everything on line & it wouldn’t let me in to do my password so Hayley sent me a link. Also she amended my cover from 3 to 4 yrs. Very pleased w…

James Hunter 4 Mar 2025

44 star rating

I have just made a claim through Acasta on my previous policy and anticipate the settlement payment in the next few days. The whole process was fairly straightforward.

Isabelle Salami 20 Apr 2024

55 star rating

Friendly customer service. Answered my queries politely and professionally. No complaints and would recommend!

Richard Smok 6 Mar 2024

55 star rating

I have used Direct Gap for many years and always found them competitive, value for money and easy to deal with.

MOIRA RAPSON 9 Oct 2025

55 star rating

I have used Direct Gap several times. The website is very clear and easy to use. The price is competitive. I have never had to claim so I can't comment on that aspect.

Angela B 20 Sep 2025

55 star rating

Have used Direct Gap for a few years now. Always quick, easy and competitive.

Michael Voyzey 4 Jan 2024

55 star rating

Really easy to purchase a Gap Insurance Policy this is my second one with Direct Gap

james wallace 27 Nov 2017

55 star rating

I was offered this at the dealership but for double the price. Glad I decided to look around now as this saved me enough money to cover the dash cam I purchased. Thanks Direct gap

Warren Edwicker 17 Aug 2021

55 star rating

This is my third policy from Direct Gap. Easy to get a quote, best price for the cover offered and customer service is great if you have to call them. Highly recommend this company…

Steve Elkin 23 Dec 2013

55 star rating

Simplicity itself to get cover I needed

Helen Stevenson 14 Sep 2019

55 star rating

Quick and easy to purchase,a family member recommended this gap insurance to us, who had to claim, and said how good this product was

R Collister 23 Dec 2013

55 star rating

Simply because of value for money, and a professional service.

Jamie F 18 Dec 2013

55 star rating

Very good site and easy to use, made big saving against dealer price. 

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