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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

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.

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.

PHD Mail Limited 2 Nov 2025

I use Direct Gap for all my Company Car fleet. Easy to use website and competitive rates.

Kirstie Skinner 17 Dec 2025

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

Kerry Parry 1 Mar 2024

Easy process that is what you want, Diane was nice

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…

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…

Stephen Collins 18 Jul 2025

Dealt with Company for 20 years always excellent.

Liam Boyle 6 Nov 2025

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

Carolyn Lyle 16 Sep 2025

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

Nic_C 17 Sep 2025

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

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…

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.

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…

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

Katie Sharp 3 Sep 2025

Great support on the phone earlier :)

Isabelle Salami 20 Apr 2024

Friendly customer service. Answered my queries politely and professionally. No complaints and would recommend!

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.

Jeanette 23 Dec 2013

Straight forward from start to finish.

Gillian Millar 12 Jan 2023

Nice and easy website and good value compared to main dealer.

Aleksandra J 23 Nov 2020

It’s my second time I’ve purchased the policy in Direct Gap, I was very happy with the service and I’m sure I will be purchasing another one when getting new car.

mike cushley 18 Dec 2013

competitive price, able to defer start date. Clear information on website

Gaynor Powers 11 Apr 2022

Easy choice of GAP insurance options, explanations for each cover, affordable and easy to purchase online. Helpline if needed.

W Dallam 17 Dec 2013

Great service,email with policy documents followed immediately as soon payment was made. Very responsive when I had an issue with the changing my personal registration number which…

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Customer reviews

4.9 out of 5 based on 15126 reviews

Donald Robertson

5 out of 5

Very straightforward online purchasing process, a good customer experience for me
Rose Guild

5 out of 5

Very easy to use.
Warren Dix

5 out of 5

Competitive and easy to understand. Simple process to get cover. 2nd time of using.

> See all our Testimonials

Direct Gap : Rated 4.93 out of 5 based on 15126 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