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

Alpesh Patel 23 Oct 2025

55 star rating

Great service this would be the 5th time now

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.

Angela B 20 Sep 2025

55 star rating

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

Liam Boyle 6 Nov 2025

55 star rating

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

David Smith 18 Nov 2025

55 star rating

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

Katie Sharp 3 Sep 2025

55 star rating

Great support on the phone earlier :)

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

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…

Paul Chattenton 24 Oct 2025

55 star rating

Very straight forward to arrange and actually cheaper than I expected.

Christopher Fearn 2 Jul 2026

55 star rating

Used on lots of different cars lucky no claims and cheaper than main dealers

GEOFFREY HARDMAN 4 Nov 2025

55 star rating

Easy to set up, used this firm over many years

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.

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 Collins 18 Jul 2025

55 star rating

Dealt with Company for 20 years always excellent.

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…

Mark Tait 23 Nov 2025

55 star rating

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

Martin Dyer 27 Aug 2021

55 star rating

Called to discuss before purchasing as had not leased a car previously (had GAP on PCP vehicle) Agent was very knowledgeable and covered all of my queries in detail

Michael Thompson 28 May 2022

55 star rating

Phoned first and had a very good chat with consultant who explained everything I needed to know. Hopefully will never need it...but life sometimes throws up the unexpected.

Kevin Carter 27 Oct 2022

55 star rating

Best quote on market and completed in less than a minute. WARNING don't pay dealer fees again use DIRECT GAP

Amanda Fry 18 Dec 2013

55 star rating

I purchased a 10 plate Audi A4 with over 80,000 miles on it, hours of searching online for numerous quotes and queries, Direct Gap was the only company to offer cover for a car wit…

J Rathwall 23 Dec 2013

55 star rating

Wanted to defer my first year as I have new for old cover with my insurer. This was easy to do and I only then had to pay for three years cover.

RICHARD SMALL 22 Jan 2019

55 star rating

Spoke to a very helpful lady a few days ago who answered all my questions , done the policy on line very quick and easy. Thanks for a great service and price.

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