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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

Alex Sissons 24 Oct 2024

55 star rating

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

Lee Appleyard 3 Feb 2025

55 star rating

Hayley on the phone was great

Katie Sharp 3 Sep 2025

55 star rating

Great support on the phone earlier :)

Paul Chattenton 24 Oct 2025

55 star rating

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

Carolyn Lyle 16 Sep 2025

55 star rating

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

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.

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.

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.

Edward McLeod 6 Jan 2026

55 star rating

thank you, 3rd or 4th policy I bought

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

Jennifer Hodgett 2 Jan 2026

55 star rating

Website is so easy to use and the level of cover and cost compares favourably with their competitors. Second policy with Direct Gap would definitely recommend to others.

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.

jennifer Savage 10 Oct 2025

55 star rating

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

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…

Stephen Collins 18 Jul 2025

55 star rating

Dealt with Company for 20 years always excellent.

Phillip Bee 27 Sep 2025

55 star rating

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

geoffrey mclean 23 Dec 2013

55 star rating

Better price than dealer, better cover and far far better service

David Walton DSW Pai nting & Decorating 28 Feb 2021

55 star rating

Second time around and fantastic. The dealer quoted £499 and Direct Gap quoted £169 on return to invoice. Same cover but £230 cheaper. You wont go wrong and great service by the di…

A Shearing 18 Dec 2013

55 star rating

Price and easy to use site.

Nadiya Davies 23 Apr 2024

44 star rating

Hayley was brilliant over the phone!

Wendy Warwick 23 Dec 2013

55 star rating

Search engine. Good choice of products. Well explained.

John Carnegie 26 Jan 2019

55 star rating

Excellent service and payment, just taken out my 2nd policy after first class service I received after my insurance company declared my car a total loss.

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