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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

Phillip Bee 27 Sep 2025

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

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

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…

Stephen Collins 18 Jul 2025

Dealt with Company for 20 years always excellent.

Alan Stewart 20 Oct 2025

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…

Kirstie Skinner 17 Dec 2025

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

Heather Smith 28 Oct 2025

Used several times only claimed once due to car being stolen, excellent customer service and speedy service in payment

jennifer Savage 10 Oct 2025

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

Paul Chattenton 24 Oct 2025

Very straight forward to arrange and actually cheaper than I expected.

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.

Alpesh Patel 23 Oct 2025

Great service this would be the 5th time now

James Hunter 4 Mar 2025

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.

Carolyn Lyle 16 Sep 2025

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

GEOFFREY HARDMAN 4 Nov 2025

Easy to set up, used this firm over many years

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

Stephen Webb 10 Nov 2025

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

Nic_C 17 Sep 2025

Quick and easy process with friendly advice when I rang to check I had chosen the correct policy

Neil Porteus 23 Jul 2024

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.

peter boardman 25 Mar 2017

Easy to apply. Family member had cause to claim on GAP policy and Customer Service was helpful and quick. Always have this cover on family cars.

Aiden Lamb 1 Aug 2019

Used direct gap for my last car and got back a massive amount of money for a small insurance fee. Direct gap were quick and I had no hassle in getting all my money back. Happy retu…

Cristina 1 Feb 2019

Great price and good to know they are 5* defacto rated also. Half the cost of what the dealership was wanting and a better cover.

Kelly 11 Jun 2018

Returning customer :)

Maxine B 17 Dec 2013

Fast & easy just as you said. Looked at other providers but you had the best service.

John Drabble 24 Jul 2019

Thanks to Hayley for explaining the differences between the various policy options. The rest of the process was seamless and a very competitive rate. We now have GAP insurance cov…

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FAQ

Customer reviews

4.9 out of 5 based on 15513 reviews

Alf Boswell

5 out of 5

Hayley was very helpful on the telephone answering all of my questions.
Ricki Nolan

5 out of 5

Excelent service Easy to set up and happy I now have piece of mind that i'm all covered.
C Rasdall Dove

5 out of 5

Spoke with Mr Davies on phone who kindly explained all of your products and recommend the right one for us. He was brilliant, great product, thank you very much.

> See all our Testimonials

Direct Gap : Rated 4.94 out of 5 based on 15513 testimonials

Monthly Payments Available

Available on Gap Insurance Policies
Pay in 10 monthly instalments

Call our friendly team to find out more on

01422 756100