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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

Edward McLeod 6 Jan 2026

55 star rating

thank you, 3rd or 4th policy I bought

Michael Dietz 13 Nov 2025

55 star rating

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

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

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

jennifer Savage 10 Oct 2025

55 star rating

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

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…

Carolyn Lyle 16 Sep 2025

55 star rating

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

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.

Phillip Bee 27 Sep 2025

55 star rating

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

Angela B 20 Sep 2025

55 star rating

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

Lee Appleyard 3 Feb 2025

55 star rating

Hayley on the phone was great

Katie Sharp 3 Sep 2025

55 star rating

Great support on the phone earlier :)

Alpesh Patel 23 Oct 2025

55 star rating

Great service this would be the 5th time now

Rachael McCormack 28 Feb 2025

55 star rating

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

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…

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

Alex Sissons 24 Oct 2024

55 star rating

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

Barry 21 Feb 2018

55 star rating

I've already got GAP insurance on a car I bought eighteen months ago. Buying from Direct Gap couldn't be easier.

Clifford Watts 18 Dec 2013

55 star rating

Best web site we visited for this insurance

Nicola Price 16 Dec 2013

55 star rating

Much cheaper than the RTI offered by the dealer, and better cover.

J Sinclair 17 Dec 2013

55 star rating

Saved a fortune on the price quoted by my Lexus dealer

Jacqueline Stevens 24 Aug 2020

55 star rating

Quick to purchase, well explained and good value for money. Thank you :)

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…

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