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Policy Wording IPID

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

This product is currently unavailable.

Policy Wording IPID

GAP Insurance Calculator

Vehicle Cost

Term (in years)

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

Liam Boyle 6 Nov 2025

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

Chris R 4 Oct 2024

Excellent Customer service and support. Quick and easy to set up. Great price. Would highly recommend based on my personal experience.

Christopher Fearn 2 Jul 2026

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

Stephen Webb 10 Nov 2025

I've used Direct Gap for my previous vehicle, so it was an obvious choice for the new car.

David Smith 18 Nov 2025

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

Anthony Mackenzie 14 Nov 2025

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…

GEOFFREY HARDMAN 4 Nov 2025

Easy to set up, used this firm over many years

Jennifer Hodgett 2 Jan 2026

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.

Catherine Morrison 20 Feb 2026

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…

Michael Dietz 13 Nov 2025

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

Mark Tait 23 Nov 2025

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

Edit Hamblett 12 May 2026

Very fast and reliable each time i have purchased a new car i have used Direct Gap as i find the whole process easy

Graham Anderson 17 Dec 2024

Fantastic service, great technology. We've been using direct gap for years. Always very helpful on the telephone as well

Mark Aryeetey 5 Jul 2026

Have been using Direct Gap for some years now on my previous cars the service is streamless. I would advise anybody buying a new car on PCP to use Direct Gap as soon as possible.

jennifer Savage 10 Oct 2025

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

R Holmes 9 Jan 2026

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…

Barbara Stewart 4 Dec 2024

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…

Kirstie Skinner 17 Dec 2025

Simple and cost effective. I won’t use anyone else for my gap insurance!

Mohiuddin Sharif 4 May 2021

Fast and efficient, have insured a couple cars with these guys, hopefully never have to claim but it definitely does give assurance. Really pleased with the whole idea.

Kevin 22 Jan 2019

A very easy process to purchase and great feedback from feefo which led me to the website.

Nicholas Anastasiou 20 Jun 2022

Excellent service as always

Andrew C 17 Dec 2013

The advice was appreciated

Gordon Bedford 27 Jan 2019

Very easy to use, no unnecessary information requests. Less than 10 minutes from start to getting the insurance document.

J Baker 18 Dec 2013

Was the site I found after reading the which consumer website. Easy to use site and covered what I needed at a better price than already been offered.

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