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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

Get a GAP Insurance quote

See what our customers are saying about us

Richard Smok 6 Mar 2024

55 star rating

I have used Direct Gap for many years and always found them competitive, value for money and easy to deal with.

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

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…

Mark Tait 23 Nov 2025

55 star rating

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

Phillip Bee 27 Sep 2025

55 star rating

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

David Pibworth 3 Feb 2024

55 star rating

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

Craig Richards 7 Nov 2025

55 star rating

Existing customer, easy to use portal, and helpful staff

jennifer Savage 10 Oct 2025

55 star rating

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

Michael Dietz 13 Nov 2025

55 star rating

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

Nadiya Davies 23 Apr 2024

44 star rating

Hayley was brilliant over the phone!

Rachael McCormack 28 Feb 2025

55 star rating

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

Lee Haworth 28 Sep 2025

55 star rating

Excellent. Easy to buy. Much cheaper than dealership GAP

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

Lee Appleyard 3 Feb 2025

55 star rating

Hayley on the phone was great

GEOFFREY HARDMAN 4 Nov 2025

55 star rating

Easy to set up, used this firm over many years

Kerry Parry 1 Mar 2024

55 star rating

Easy process that is what you want, Diane was nice

Angela B 20 Sep 2025

55 star rating

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

Neil Matthews 18 Dec 2013

55 star rating

Previous customer; both my car and my wife's are now protected.

Kenneth lewis 18 Dec 2013

55 star rating

Have been thinking about gap insurance since purchasing new vehicle but Dealer quote seemed very high. Have researched various other providers and found the Direct Gap website the…

Paul Blenkinsop 19 Jun 2019

55 star rating

Second time I have used direct gap for my car gap insurance. So simple to set up. Excellent cover policy to suit my needs and a great price too. Less than £200 for 4 years cover on…

Jamie F 18 Dec 2013

55 star rating

Very good site and easy to use, made big saving against dealer price. 

D Nash 17 Dec 2013

55 star rating

Reassured buying from a fully FSA registered broker. Thank you

Andrew Eades 20 Jan 2021

55 star rating

Quick and simple. Good price. The family have all used Direct Gap. When we have had to make a claim, service was very good.

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