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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

David Smith 18 Nov 2025

55 star rating

Great service and Hayley was very helpful when I phoned for more information, thank you.

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

Lee Haworth 28 Sep 2025

55 star rating

Excellent. Easy to buy. Much cheaper than dealership GAP

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.

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.

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…

Kerry Parry 1 Mar 2024

55 star rating

Easy process that is what you want, Diane was nice

Michael Dietz 13 Nov 2025

55 star rating

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

Nadiya Davies 23 Apr 2024

44 star rating

Hayley was brilliant over the phone!

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.

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

Paul Chattenton 24 Oct 2025

55 star rating

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

Liam Boyle 6 Nov 2025

55 star rating

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

Katie Sharp 3 Sep 2025

55 star rating

Great support on the phone earlier :)

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.

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.

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

Alex Sissons 24 Oct 2024

55 star rating

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

Richard Alan Smith 28 Jul 2021

55 star rating

This is my second policy, just as easy has the first. No Hassle, first class service at a very competitive cost.

Craig Robins 18 Dec 2013

55 star rating

I have previously taken out GAP insurance with Direct GAP on my previous vehicle, although thankfully I did not need to use it, I still think in todays current climate to protect t…

Carolyn Reynolds 23 Dec 2013

55 star rating

To find a more competitive quote than that offered by car dealer. Received comprehensive and reassuring advice from you as well as a very friendly and personal service. Will defini…

Kay Short 23 Dec 2013

55 star rating

Have used Direct Gap's products for my last 3 cars. Easy, simply worded, fantastic price...highly recommended!

Samuel Hands 25 Feb 2021

55 star rating

Easy and quick to get the quote and get everything set up. One of the most competitive prices on the market!

Angela Causer 18 Dec 2013

55 star rating

Great feedback as other members of my family are insured with you.

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