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

Get a GAP Insurance quote

See what our customers are saying about us

Carolyn Lyle 16 Sep 2025

55 star rating

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

Katie Sharp 3 Sep 2025

55 star rating

Great support on the phone earlier :)

Christopher Fearn 2 Jul 2026

55 star rating

Used on lots of different cars lucky no claims and cheaper than main dealers

Mark Troth 19 Nov 2025

55 star rating

I have been with Direct Gap for over 7 years and had three different cars. Website is easy and updating details is hassle free Thanks

Barry Edwards 17 Jun 2026

55 star rating

Used this company many times...great price for peace of mind .

Angela B 20 Sep 2025

55 star rating

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

R Holmes 9 Jan 2026

55 star rating

After having to unfortunately claim last year it was a no brainer to come back to Direct GAP they're so friendly and helpful. It gives me the peace of mind should the worst happen…

Phillip Bee 27 Sep 2025

55 star rating

Great company, easy to use customer portal. Been using this company for about 8 years now.

Michael Dietz 13 Nov 2025

55 star rating

Have used on a previous vehicle, policy gives a great peace of mind.

Edit Hamblett 12 May 2026

55 star rating

Very fast and reliable each time i have purchased a new car i have used Direct Gap as i find the whole process easy

Rachael McCormack 28 Feb 2025

55 star rating

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

Nic_C 17 Sep 2025

55 star rating

Quick and easy process with friendly advice when I rang to check I had chosen the correct policy

PHD Mail Limited 2 Nov 2025

55 star rating

I use Direct Gap for all my Company Car fleet. Easy to use website and competitive rates.

Lee Appleyard 3 Feb 2025

55 star rating

Hayley on the phone was great

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…

Marcin Dlugoszek 18 Jul 2026

55 star rating

Simple, straight forward purchase process. Our 3rd policy now!!!

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.

Catherine Morrison 20 Feb 2026

55 star rating

This type of insurance gives me peace of mind knowing that my purchase is covered should anything happen to my car I’ve been using gap insurance since 2014 and would not be without…

Sally 18 Sep 2020

55 star rating

Quick, easy and excellent value for money. The policy examples take the headache out of making sure you understand what you are buying and choosing the right type.

John Vincent 16 Apr 2021

55 star rating

Great product and friendly staff when I needed some help on the 'phone

Franklin Reith 19 Dec 2013

55 star rating

Recommended by friends. Service was most friendly and very informatative. 

Carol Knowles 18 Dec 2013

55 star rating

Value for money

Kristopher Whittaker 20 Apr 2021

55 star rating

Happy to help very efficiently and great service, highly appreciated for your help and support

Richard Jenkinson 23 Dec 2013

55 star rating

Great web site, plus price is miles cheaper than main dealer offer

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