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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

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.

Stephen Collins 18 Jul 2025

55 star rating

Dealt with Company for 20 years always excellent.

Isabelle Salami 20 Apr 2024

55 star rating

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

Liam Boyle 6 Nov 2025

55 star rating

1st - GREAT! price 2nd - quick and easy 3rd - did i mention the GREAT pricing?

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.

Julian Portman 26 Jan 2024

55 star rating

Very easy to arrange. Competitive price. Used with two previous cars.

Katie Sharp 3 Sep 2025

55 star rating

Great support on the phone earlier :)

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.

Nadiya Davies 23 Apr 2024

44 star rating

Hayley was brilliant over the phone!

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.

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…

jennifer Savage 10 Oct 2025

55 star rating

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

Chris R 4 Oct 2024

55 star rating

Excellent Customer service and support. Quick and easy to set up. Great price. Would highly recommend based on my personal experience.

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.

Lee Appleyard 3 Feb 2025

55 star rating

Hayley on the phone was great

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.

Alex Sissons 24 Oct 2024

55 star rating

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

Michael Voyzey 4 Jan 2024

55 star rating

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

clive williams 14 Jul 2023

55 star rating

As always great first class customer service. Have always used and will continue to do so. !! Thanks

Dr T Burns 17 Dec 2013

55 star rating

Excellent value and very clear advice and products

John Vincent 16 Apr 2021

55 star rating

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

Nigel Fenton 7 Mar 2020

55 star rating

I had to make a claim with these guys before and was very happy with the service I received and was paid out very swiftly. I am now taking out another policy for the replacement ve…

Jaroslav Kratochvil 23 Dec 2013

55 star rating

Superb service,all of it very easy.

Allison knight 23 Dec 2013

55 star rating

The price , product and service were very good . I spoke to an advisor before purchasing as I had a few questions to ask, he was helpful and informative. So much cheaper than the d…

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