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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

Nadiya Davies 23 Apr 2024

44 star rating

Hayley was brilliant over the phone!

Phillip Bee 27 Sep 2025

55 star rating

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

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…

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.

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

David Pibworth 3 Feb 2024

55 star rating

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

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!

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.

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

Julian Portman 26 Jan 2024

55 star rating

Very easy to arrange. Competitive price. Used with two previous cars.

Alex Sissons 24 Oct 2024

55 star rating

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

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

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

James Hunter 4 Mar 2025

44 star rating

I have just made a claim through Acasta on my previous policy and anticipate the settlement payment in the next few days. The whole process was fairly straightforward.

Kerry Parry 1 Mar 2024

55 star rating

Easy process that is what you want, Diane was nice

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…

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

Paul Gregory 19 Mar 2021

55 star rating

I used you before, I will again and again, this is so easy. Thanks.

D Flynn 17 Dec 2013

55 star rating

Easy

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.

Ann 21 Jun 2018

55 star rating

Less than half the price of dealer. You can see the policy before you commit to buy. I think I've done the right thing. Excellent reviews.

Marcus Hudson 23 May 2021

55 star rating

After shopping around and trying different sites this one I found was the best laid out . Very clear and easy to understand , site not crashing on you as you progressed . Price was…

Susan Gambier 8 Apr 2021

55 star rating

This is the 2nd time i have used direct gap & would thoroughly recommend.

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