Get a quote

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

Ranjit Ghag 11 Dec 2023

55 star rating

I have previously used this service and find it amazing, competitive prices and cheaper than buying direct from dealers.

Stephen Collins 18 Jul 2025

55 star rating

Dealt with Company for 20 years always excellent.

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.

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…

Peter Egerton 1 Feb 2024

55 star rating

It’s so easy to set up and I’m confident in the policy that it covers all my costs.

Phillip Bee 27 Sep 2025

55 star rating

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

Craig Richards 7 Nov 2025

55 star rating

Existing customer, easy to use portal, and helpful staff

Julian Portman 26 Jan 2024

55 star rating

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

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 Pibworth 3 Feb 2024

55 star rating

Easy to complete and far cheaper than quoted by the main dealer

Graham Anderson 17 Dec 2024

55 star rating

Fantastic service, great technology. We've been using direct gap for years. Always very helpful on the telephone as well

Rachael McCormack 28 Feb 2025

55 star rating

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

GEOFFREY HARDMAN 4 Nov 2025

55 star rating

Easy to set up, used this firm over many years

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.

jennifer Savage 10 Oct 2025

55 star rating

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

darren birch 8 Jan 2024

55 star rating

used before and experienced great service, thats why im back

Nadiya Davies 23 Apr 2024

44 star rating

Hayley was brilliant over the phone!

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

R Slender 23 Dec 2013

55 star rating

Delighted with our gap policy purchased from yourselves and the customer service received was second to none.

J Brearley 17 Dec 2013

55 star rating

The price was very much lower than the insurance offered by the dealer and the cover was equally as good.

Graham Dickinson 13 Dec 2018

55 star rating

I chose Direct Gap because of the good reviews and that fact that they were not the cheapest. I would rather pay a little more and be sure of a company that does not try to avoid p…

Kirsty 10 Sep 2018

55 star rating

Easy and simple to use and understand, helpline staff friendly and helpful.

Dr T Burns 17 Dec 2013

55 star rating

Excellent value and very clear advice and products

GRAHAM VINCENT 19 Dec 2013

55 star rating

I tried several. You came out top on clarity and price

Error loading MacroEngine script (file: BuyNowLinkQuoteAware.cshtml)

FAQ