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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

Stephen Collins 18 Jul 2025

55 star rating

Dealt with Company for 20 years always excellent.

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.

Phillip Bee 27 Sep 2025

55 star rating

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

Michael Dietz 13 Nov 2025

55 star rating

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

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.

Alex Sissons 24 Oct 2024

55 star rating

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

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…

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

Alpesh Patel 23 Oct 2025

55 star rating

Great service this would be the 5th time now

Liam Boyle 6 Nov 2025

55 star rating

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

Isabelle Salami 20 Apr 2024

55 star rating

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

Mark Tait 23 Nov 2025

55 star rating

Used Direct Gap for years. Friendly, efficient service , great prices and fantastic customer service.

David Smith 18 Nov 2025

55 star rating

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

GEOFFREY HARDMAN 4 Nov 2025

55 star rating

Easy to set up, used this firm over many years

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…

Nadiya Davies 23 Apr 2024

44 star rating

Hayley was brilliant over the phone!

Lee Appleyard 3 Feb 2025

55 star rating

Hayley on the phone was great

Kirsty 10 Sep 2018

55 star rating

Easy and simple to use and understand, helpline staff friendly and helpful.

Syed Mubarak Syed Ahmad 16 Aug 2023

55 star rating

It was very easy to get the cover and the whole transaction took less than 10 minutes to complete.

Ann Nicoll 18 Dec 2013

55 star rating

Better quote than the car dealer offered, the 5year facility suited my requirements plus the service was first class.

Thomas Field 2 Jun 2021

55 star rating

Easy process from start to finish. Clarity of the information provided on the website aids the decision making process prior to purchase. Comparatively better cover and at a far be…

K Chaz 18 Dec 2013

55 star rating

Very good cover and great price 

Michael Egan 17 May 2021

55 star rating

This is the 4th car I've taken gap insurance out with this provider. Fortunately I've never had to make a claim but the process has been smooth and trouble-free to date.

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