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

Katie Sharp 3 Sep 2025

55 star rating

Great support on the phone earlier :)

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.

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.

David Pibworth 3 Feb 2024

55 star rating

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

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.

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.

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

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

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 Savage 10 Oct 2025

55 star rating

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

Nadiya Davies 23 Apr 2024

44 star rating

Hayley was brilliant over the phone!

darren birch 8 Jan 2024

55 star rating

used before and experienced great service, thats why im back

Isabelle Salami 20 Apr 2024

55 star rating

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

Rachael McCormack 28 Feb 2025

55 star rating

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

Lee Appleyard 3 Feb 2025

55 star rating

Hayley on the phone was great

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

Kerry Parry 1 Mar 2024

55 star rating

Easy process that is what you want, Diane was nice

Mr I Windsor 18 Dec 2013

55 star rating

Feel very reassured by the FSA and Financial Services compensation scheme backing on all policies.

Mrs N Whittaker 23 Dec 2013

55 star rating

Not all companies offering VRI and competitive online price

Ashley Mitchell 28 Apr 2017

55 star rating

Had another policy. Agreement was fantastic. Claimed on it. Very thorough claim advisor a back to the car insurance company. Highly recommended.

Justin Young 30 Jul 2019

55 star rating

Very easy to use when purchasing the policy, we shall see how they do if we ever need to claim!

Clint Ticehurst 19 Mar 2021

55 star rating

Very easy to set up, hopefully I won’t find out the service is like in the claims department =). Research comments & reviews before buying.

Christopher Bacon 18 Dec 2013

55 star rating

The price is very competitive compared to the dealer

Error loading MacroEngine script (file: BuyNowLinkQuoteAware.cshtml)

FAQ