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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

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.

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.

Mark Tait 23 Nov 2025

55 star rating

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

Neil Porteus 23 Jul 2024

55 star rating

Excellent value gap insurance. In the past my daughter has had to make a claim under a Direct Gap policy and it lived up to its expectations. Also very easy to purchase online.

Edward McLeod 6 Jan 2026

55 star rating

thank you, 3rd or 4th policy I bought

David Smith 18 Nov 2025

55 star rating

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

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.

Katie Sharp 3 Sep 2025

55 star rating

Great support on the phone earlier :)

GEOFFREY HARDMAN 4 Nov 2025

55 star rating

Easy to set up, used this firm over many years

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.

Rachael McCormack 28 Feb 2025

55 star rating

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

Craig Richards 7 Nov 2025

55 star rating

Existing customer, easy to use portal, and helpful staff

Carolyn Lyle 16 Sep 2025

55 star rating

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

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…

Alex Sissons 24 Oct 2024

55 star rating

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

Angela B 20 Sep 2025

55 star rating

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

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.

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…

Lisa K 18 Dec 2013

55 star rating

Much cheaper than my dealer quote. Thank you

Paul Muchmore 8 May 2021

55 star rating

As not very computer or tech savvy found site easy to use.

Nicholas John 18 Dec 2013

55 star rating

Compared against policy offered by dealership on new car purchase. There was no comparison you win hands down!

R Dicker 17 Dec 2013

55 star rating

After comparing prices and comments you are the best

Paul Sheppard 25 May 2020

55 star rating

Policy really easy to set up ! Recommend to all ! Many thanks .

Paul Knight 27 Nov 2021

55 star rating

Easy clear website and competitive prices for GAP insurance

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