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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

Phillip Bee 27 Sep 2025

55 star rating

Great company, easy to use customer portal. Been using this company for about 8 years now.

Lee Appleyard 3 Feb 2025

55 star rating

Hayley on the phone was great

Michael Voyzey 4 Jan 2024

55 star rating

Really easy to purchase a Gap Insurance Policy this is my second one with Direct Gap

Alex Sissons 24 Oct 2024

55 star rating

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

Kerry Parry 1 Mar 2024

55 star rating

Easy process that is what you want, Diane was nice

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.

Isabelle Salami 20 Apr 2024

55 star rating

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

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.

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

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

Carolyn Lyle 16 Sep 2025

55 star rating

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

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

Nadiya Davies 23 Apr 2024

44 star rating

Hayley was brilliant over the phone!

Rachael McCormack 28 Feb 2025

55 star rating

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

David Pibworth 3 Feb 2024

55 star rating

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

Angela B 20 Sep 2025

55 star rating

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

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…

Neil Porteus 23 Jul 2024

55 star rating

Excellent value gap insurance. In the past my daughter has had to make a claim under a Direct Gap policy and it lived up to its expectations. Also very easy to purchase online.

Daniel Irvine 18 Dec 2013

55 star rating

Had it recommended by a relative.

Vivienne wooll 18 Dec 2013

55 star rating

I have previously had a vehicle replacement insurance gap insurance with direct gap and they were very helpful and a good price. I am more than happy to have another policy through…

cheryl ramsey 6 May 2021

55 star rating

Always pleased with price, normally call as well and always helpful, recommended my daughter, who also got a good price.

Robert J Wall 18 Dec 2013

55 star rating

Very easy to use and no small print.

manisha cook 30 Jul 2021

55 star rating

Excellent value on quote Great explanation of policy using worked examples. FAQs very informative Easy step by step process and took minutes to action

Mrs Marion Lambert 23 Dec 2013

55 star rating

As well as a competitive price, your website and the terms and conditions were easy to use and understand.You also featured in a "Which?" guide to gap insurance.

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