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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

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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

Angela B 20 Sep 2025

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

Stephen Collins 18 Jul 2025

Dealt with Company for 20 years always excellent.

Janine Withers 23 Dec 2025

This is the 3rd policy I have brought from Direct Gap, their staff are always so friendly & helpful, I keep coming back to them.

Kerry Parry 1 Mar 2024

Easy process that is what you want, Diane was nice

Alpesh Patel 23 Oct 2025

Great service this would be the 5th time now

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…

Liam Boyle 6 Nov 2025

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

Stephen Webb 10 Nov 2025

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

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…

Lee Appleyard 3 Feb 2025

Hayley on the phone was great

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.

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…

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

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.

Richard Smok 6 Mar 2024

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

Heather Smith 28 Oct 2025

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

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…

James Elkin 19 Jan 2021

Easy and competitively priced - I liked the worked examples that show how this insurance works.

Nicholas Kerry 22 Jan 2020

hope I never need this, but have been caught in the 'Gap' previously! Premium less than half the offer from Dealer, and from a trusted Insurer.

Tracy Fletcher 4 Aug 2021

I was recommended by a friend as they have taken insurance with you in the past. The website was quick and easy to use so I now have peace of mind that I'm covered.

Atul Patel 17 Dec 2013

It offered the best price for the 5 year term. Many of your competitors only offer 4 years for the same fee.

K Chaz 18 Dec 2013

Very good cover and great price

N Rowlands 23 Dec 2013

Bought a new car & have previously had a gap policy which was worth every penny as needed to make a claim. The ratings are what clinched the deal!

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FAQ

Customer reviews

4.9 out of 5 based on 15115 reviews

terence blacklock

5 out of 5

good value user friendly
Viv

5 out of 5

Needed to claim on on a policy a few years ago; the staff were so human, it made a hard time a little more pleasant. Adding to my Fleet, so of course you get the custom.
Sevgi Aydin

5 out of 5

Good

> See all our Testimonials

Direct Gap : Rated 4.93 out of 5 based on 15115 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