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

Edward McLeod 6 Jan 2026

55 star rating

thank you, 3rd or 4th policy I bought

Catherine Morrison 20 Feb 2026

55 star rating

This type of insurance gives me peace of mind knowing that my purchase is covered should anything happen to my car I’ve been using gap insurance since 2014 and would not be without…

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.

Angela B 20 Sep 2025

55 star rating

Have used Direct Gap for a few years now. Always quick, easy and competitive.

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

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.

Mark Aryeetey 5 Jul 2026

55 star rating

Have been using Direct Gap for some years now on my previous cars the service is streamless. I would advise anybody buying a new car on PCP to use Direct Gap as soon as possible.

Alex Sissons 24 Oct 2024

55 star rating

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

Kirstie Skinner 17 Dec 2025

55 star rating

Simple and cost effective. I won’t use anyone else for my gap insurance!

Craig Richards 7 Nov 2025

55 star rating

Existing customer, easy to use portal, and helpful staff

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 :)

Lee Appleyard 3 Feb 2025

55 star rating

Hayley on the phone was great

Edit Hamblett 12 May 2026

55 star rating

Very fast and reliable each time i have purchased a new car i have used Direct Gap as i find the whole process easy

Barbara Stewart 4 Dec 2024

55 star rating

Hayley was brilliant 🤩 I had done everything on line & it wouldn’t let me in to do my password so Hayley sent me a link. Also she amended my cover from 3 to 4 yrs. Very pleased w…

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.

Stuart Davies 17 Jul 2026

55 star rating

Used your company for my last 3 vehicles, very easy to arrange. Luckily have not needed to make any claims so can't comment on the claim process and hope I never will.

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

colin darley 2 Dec 2017

55 star rating

This is our second policy very easy to set up which I had it on my car which has just been written off.

V.Tariq 25 Aug 2017

55 star rating

Very easy to obtain a quote from the website. Purchasing the policy was fast and efficient. Very competitive price. Great job!

Julia Jackson 8 Jan 2021

55 star rating

I was a bit confused by gap insurance and how it works but the lady I spoke to over the phone was so friendly and helpful. Thank you! I received my quote straight away and it was c…

Robert prentice 18 Dec 2013

55 star rating

Ray was extremely friendly and informative, excellent to deal with

Mark C 23 Dec 2013

55 star rating

Speed at resolving company car query convinced me to use you.

L Tongue 18 Dec 2013

55 star rating

Best offer on line and able to pay monthly!

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