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

Katie Sharp 3 Sep 2025

55 star rating

Great support on the phone earlier :)

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.

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…

Carolyn Lyle 16 Sep 2025

55 star rating

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

Phillip Bee 27 Sep 2025

55 star rating

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

Stuart Davies 17 Jul 2026

55 star rating

Used your company for my last 3 vehicles, very easy to arrange. Luckily have not needed to make any claims so can't comment on the claim process and hope I never will.

Mark Aryeetey 5 Jul 2026

55 star rating

Have been using Direct Gap for some years now on my previous cars the service is streamless. I would advise anybody buying a new car on PCP to use Direct Gap as soon as possible.

Lee Appleyard 3 Feb 2025

55 star rating

Hayley on the phone was great

Anne Martin 21 Jul 2026

55 star rating

Very easy to use aand so quick, price was good, have used this site for the last 12 years if not more, for a number of cars

Liam Boyle 6 Nov 2025

55 star rating

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

Christopher Fearn 2 Jul 2026

55 star rating

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

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.

Angela B 20 Sep 2025

55 star rating

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

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

Marcin Dlugoszek 18 Jul 2026

55 star rating

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

Michael Dietz 13 Nov 2025

55 star rating

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

jennifer Savage 10 Oct 2025

55 star rating

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

Aidan Cullen 5 Nov 2018

55 star rating

Very easy and reasonably priced. Now have 3 policies with you. Thanks

Mick Guy 30 Oct 2020

55 star rating

That was so easy. My car, which I pick up today, now has GAP insurance. A very straight forward process that even I managed to complete in minutes. Excellent, very happy.

Paul M 17 Dec 2013

55 star rating

Easy to use website, I got my policy documents immediately

Gordon Bedford 27 Jan 2019

55 star rating

Very easy to use, no unnecessary information requests. Less than 10 minutes from start to getting the insurance document.

Tania Stone 18 Dec 2013

55 star rating

I used you to ensure I protect my new car against total loss I found you through the Which site which gave me a lot of confidence in the products.

N Tricker 17 Dec 2013

55 star rating

Based on a very helpful telephone call to Ray, previous experience of the company and, importantly, price and product

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