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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

MOIRA RAPSON 9 Oct 2025

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.

jennifer Savage 10 Oct 2025

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

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.

Katie Sharp 3 Sep 2025

Great support on the phone earlier :)

Mark Troth 19 Nov 2025

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

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…

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.

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.

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…

David Smith 18 Nov 2025

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

David Kent 10 Sep 2025

Always been very pleased with company and will continue to use for my GAP ins, wdl done guys full marks.

Nic_C 17 Sep 2025

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

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…

Alex Sissons 24 Oct 2024

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

Stephen Webb 10 Nov 2025

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

Craig Richards 7 Nov 2025

Existing customer, easy to use portal, and helpful staff

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.

Kevin Sloan 18 Dec 2013

Very fast and effective service. Policy came through straight away.

josephine stinton 23 Dec 2013

Excellent price. Friendly & professional sales person. Product suited my needs exactly.

Victoria Richardson 17 Dec 2013

Website was clear about which product was suitable for my requirements.

C King 18 Dec 2013

I was very impressed with the service when I asked for a quote so I went back to buy the policy.

Ann Stone 4 Sep 2020

Easy process, well prompted by the site. One of the few where it seemed possible to get cover before the vehicle registration was complete.

Wendy Elliott 12 Aug 2020

Very, very easy to use website totally cuts the middle man out got my GAP Insurance £241 cheaper than the dealership quoted. Worth a look!

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FAQ

Customer reviews

4.9 out of 5 based on 15470 reviews

Penelope M

5 out of 5

Price was good for comparable cover with other sites. Your explanation of different types of cover was written in plainer english to understand!
Chantel Marshall

5 out of 5

Easy, clear and a great money saver in comparison to the dealerships offer!
Robert Alleyne

4 out of 5

Spoke to a representative before going on line Extremely helpful and explained clearly the options I had Very easy to fill in the on line application Quotes where very competitive And would definitely use Direct Gap again

> See all our Testimonials

Direct Gap : Rated 4.94 out of 5 based on 15470 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