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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

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See what our customers are saying about us

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.

Nadiya Davies 23 Apr 2024

44 star rating

Hayley was brilliant over the phone!

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.

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

Rachael McCormack 28 Feb 2025

55 star rating

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

jennifer Savage 10 Oct 2025

55 star rating

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

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

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…

Stephen Collins 18 Jul 2025

55 star rating

Dealt with Company for 20 years always excellent.

Phillip Bee 27 Sep 2025

55 star rating

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

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.

Stephen Webb 10 Nov 2025

55 star rating

I've used Direct Gap for my previous vehicle, so it was an obvious choice for the new car.

Craig Richards 7 Nov 2025

55 star rating

Existing customer, easy to use portal, and helpful staff

Lee Haworth 28 Sep 2025

55 star rating

Excellent. Easy to buy. Much cheaper than dealership GAP

Kirstie Skinner 17 Dec 2025

55 star rating

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

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

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.

David Pibworth 3 Feb 2024

55 star rating

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

D Flynn 17 Dec 2013

55 star rating

Easy

Michael Voyzey 4 Jan 2024

55 star rating

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

pete long 18 Dec 2013

55 star rating

Higher level of cover than my dealer offered at half the price. You were very highly recommended by a previous customer.

Anne Myers 15 Dec 2021

55 star rating

This is the 4th policy that we have bought for different family cars in the last few years. The purchase process was easy, the insurance details were clear and documentation and co…

C King 18 Dec 2013

55 star rating

I was very impressed with the service when I asked for a quote so I went back to buy the policy.

Peter Bailey 18 Dec 2013

55 star rating

Obtained quotes from Direct Gap and 2 other companies, yours was the best price. Info on website about outstanding finance had to read 3 times to fully understand

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