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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

James Hunter 4 Mar 2025

44 star rating

I have just made a claim through Acasta on my previous policy and anticipate the settlement payment in the next few days. The whole process was fairly straightforward.

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…

Rachael McCormack 28 Feb 2025

55 star rating

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

jennifer Savage 10 Oct 2025

55 star rating

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

Stephen Collins 18 Jul 2025

55 star rating

Dealt with Company for 20 years always excellent.

Janine Withers 23 Dec 2025

55 star rating

This is the 3rd policy I have brought from Direct Gap, their staff are always so friendly & helpful, I keep coming back to them.

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

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

Julian Portman 26 Jan 2024

55 star rating

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

Isabelle Salami 20 Apr 2024

55 star rating

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

Lee Appleyard 3 Feb 2025

55 star rating

Hayley on the phone was great

Edward McLeod 6 Jan 2026

55 star rating

thank you, 3rd or 4th policy I bought

Lee Haworth 28 Sep 2025

55 star rating

Excellent. Easy to buy. Much cheaper than dealership GAP

Kerry Parry 1 Mar 2024

55 star rating

Easy process that is what you want, Diane was nice

Mark Tait 23 Nov 2025

55 star rating

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

Leyon Joseph 14 Mar 2024

55 star rating

I have been in the unfortunately position to have to use this policy and can say they were very helpful through the whole process 5 stars

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

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.

Michael Ludgate 30 Jan 2021

55 star rating

The best website I have seen for providing Gap Insurance cover. Straight forward to complete application online. Three Benefit options to suit everyone. Best single premium. Highly…

Dawn Wright 29 Dec 2019

55 star rating

I am a returning customer of Direct Gap insurers. I took this insurance out for piece of mind and I think it is totally worth it. I had it with my previous car also and was unl…

ALKESH DESAI 10 Jun 2021

55 star rating

I recently bought a dealer approved car from Citygate VW Ruislip and the salesperson was trying to add on the gap insurance in the deal. I knew from past experience that I would ha…

Ryan Warfield 25 Feb 2021

55 star rating

Really helpful over the phone & via email. Much better value than what the dealership offered! Would highly recommend them!

Victoria Richardson 17 Dec 2013

55 star rating

Website was clear about which product was suitable for my requirements. 

Peter Emsell 2 Sep 2021

55 star rating

Very easy to set up and piece of mind. Good value compared to Dealership

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