Get a quote

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

Kirstie Skinner 17 Dec 2025

55 star rating

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

Anthony Mackenzie 14 Nov 2025

55 star rating

Full marks for very easy to use application form. Your help line was friendly and a pleasant girl gave me all the information I needed. I have purchased the Gap insurance I need no…

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.

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.

Phillip Bee 27 Sep 2025

55 star rating

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

Stephen Collins 18 Jul 2025

55 star rating

Dealt with Company for 20 years always excellent.

Mark Tait 23 Nov 2025

55 star rating

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

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.

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

Lee Appleyard 3 Feb 2025

55 star rating

Hayley on the phone was great

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.

Alex Sissons 24 Oct 2024

55 star rating

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

Rachael McCormack 28 Feb 2025

55 star rating

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

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 Smith 18 Nov 2025

55 star rating

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

Alpesh Patel 23 Oct 2025

55 star rating

Great service this would be the 5th time now

Graham Anderson 17 Dec 2024

55 star rating

Fantastic service, great technology. We've been using direct gap for years. Always very helpful on the telephone as well

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…

Ashley Griffiths 19 Jan 2019

55 star rating

I am a returning customer and have always received a great service when changing plates or vehicles. Great company with extremely competitive prices!

Aaron Townsend 1 Sep 2021

55 star rating

Very straightforward and close to half what the dealer wanted to charge!

G Moss 17 Dec 2013

55 star rating

I was very pleased you now offer a deferred gap insurance as I always have a new car that is covered by my motor insurance for RTI.

Jan Craig 18 Dec 2013

55 star rating

I thought it might amuse you to know I am now your unofficial sales person. Speaking today to my insurance representative I happen to mention I had purchased Gap Insurance from you…

Andy C 23 Dec 2019

55 star rating

Very efficient and simple process that literally took minutes to set up. Able to get both GAP and Alloy Wheel insurance for far less than the main dealer!

Error loading MacroEngine script (file: BuyNowLinkQuoteAware.cshtml)

FAQ