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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

Get a GAP Insurance quote

See what our customers are saying about us

Stephen Collins 18 Jul 2025

55 star rating

Dealt with Company for 20 years always excellent.

Paul Chattenton 24 Oct 2025

55 star rating

Very straight forward to arrange and actually cheaper than I expected.

David Smith 18 Nov 2025

55 star rating

Great service and Hayley was very helpful when I phoned for more information, thank you.

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.

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

Carolyn Lyle 16 Sep 2025

55 star rating

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

Anthony Mackenzie 14 Nov 2025

55 star rating

Full marks for very easy to use application form. Your help line was friendly and a pleasant girl gave me all the information I needed. I have purchased the Gap insurance I need no…

Stephen Webb 10 Nov 2025

55 star rating

I've used Direct Gap for my previous vehicle, so it was an obvious choice for the new car.

Craig Richards 7 Nov 2025

55 star rating

Existing customer, easy to use portal, and helpful staff

Alpesh Patel 23 Oct 2025

55 star rating

Great service this would be the 5th time now

Mark Tait 23 Nov 2025

55 star rating

Used Direct Gap for years. Friendly, efficient service , great prices and fantastic customer service.

Alex Sissons 24 Oct 2024

55 star rating

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

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.

Katie Sharp 3 Sep 2025

55 star rating

Great support on the phone earlier :)

jennifer Savage 10 Oct 2025

55 star rating

so easy , called the office as well to check something very helpful staff . impressed!

Lee Haworth 28 Sep 2025

55 star rating

Excellent. Easy to buy. Much cheaper than dealership GAP

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

David Kent 10 Sep 2025

55 star rating

Always been very pleased with company and will continue to use for my GAP ins, wdl done guys full marks.

Peter Vaughton TQ Environmental plc 18 Dec 2013

55 star rating

Appropriate cover for our contract hire vehicle at a competitive price

RICHARD SMALL 22 Jan 2019

55 star rating

Spoke to a very helpful lady a few days ago who answered all my questions , done the policy on line very quick and easy. Thanks for a great service and price.

jfr 7 Aug 2021

55 star rating

2nd time of using Direct Gap. Simple easy to use & good value. I would definitely recommend

Marilyn Middleton 6 Mar 2020

55 star rating

Second time I've used you for Gap insurance. Competitive pricing and quick and easy online process to obtain policy.

Martin Dyer 27 Aug 2021

55 star rating

Called to discuss before purchasing as had not leased a car previously (had GAP on PCP vehicle) Agent was very knowledgeable and covered all of my queries in detail

Lyn Walker 23 Dec 2013

55 star rating

I saw it listed on the Which Gap Insurance site. Very easy to use, even for a pensioner!

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