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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

Get a GAP Insurance quote

See what our customers are saying about us

Michael Dietz 13 Nov 2025

55 star rating

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

jennifer Savage 10 Oct 2025

55 star rating

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

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

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…

Craig Richards 7 Nov 2025

55 star rating

Existing customer, easy to use portal, and helpful staff

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.

Edward McLeod 6 Jan 2026

55 star rating

thank you, 3rd or 4th policy I bought

Katie Sharp 3 Sep 2025

55 star rating

Great support on the phone earlier :)

Liam Boyle 6 Nov 2025

55 star rating

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

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.

Carolyn Lyle 16 Sep 2025

55 star rating

Great information easy to understand and £100 less than my dealer offered.

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.

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.

Kirstie Skinner 17 Dec 2025

55 star rating

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

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

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…

Lee Appleyard 3 Feb 2025

55 star rating

Hayley on the phone was great

Steve 17 Dec 2013

55 star rating

Price

Mr C E Battensby 18 Dec 2013

55 star rating

Superb service to back up attractive product seen on a well presented website. Above all, though, an outstanding personal service delivering a well - explained product at a competi…

John Greenwood 24 Apr 2021

55 star rating

Excellent service, great web site which is backed up by lots of 5 star reviews convinced me to go ahead with a policy from Direct Gap , plus I saved 50% on the price of a similar p…

tony griffiths 23 Dec 2013

55 star rating

Value seemed good and when speaking to a member of staff was pleased with the level of knowledge about the products he had and the friendly approach he gave to my enquiry

Chris Wyatt 28 May 2017

55 star rating

Looked for a GAP insurance, and found this site to be very easy to use and follow. Direct GAP has saved us £400 - compared to product offered by dealership. Would recommend to…

Emma Mason 10 Jun 2018

55 star rating

Clear policies, I liked the 'example' policies for each option—very useful to help me decide on which GAP to buy.

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