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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

David Smith 18 Nov 2025

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

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.

Nadiya Davies 23 Apr 2024

Hayley was brilliant over the phone!

Lee Haworth 28 Sep 2025

Excellent. Easy to buy. Much cheaper than dealership GAP

Edward McLeod 6 Jan 2026

thank you, 3rd or 4th policy I bought

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

Angela B 20 Sep 2025

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

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.

Isabelle Salami 20 Apr 2024

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

Mark Tait 23 Nov 2025

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

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.

Michael Dietz 13 Nov 2025

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

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

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 :)

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.

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.

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.

Robert Lawson 17 Oct 2018

Lady on the phone was the best operator , 10/10, informative ,helpful many thanks.

DAVID PIERCE 17 Dec 2013

PRECISE ADVISE FROM ADVISOR ON TELEPHONE PRIOR TO PURCHASE

J Murray 17 Dec 2013

Much cheaper than my Ford dealer and for 5 years cover

Yvonne Hanson 18 Dec 2013

Easy site to follow. My partner was a car salesman and he recommended that I should insure the car.

Paul Lamb 30 Mar 2018

Spoke to CS and he was very helpful on advising us the full terms of each policy - very helpful indeed

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FAQ

Customer reviews

4.9 out of 5 based on 15265 reviews

Vicky nichols

5 out of 5

Far cheaper than the dealer quoted ... glad I searched and saved £240.00
Denise Millen

5 out of 5

Very easy to use and expected cost
Nigel Britten

5 out of 5

Easy to use web site and accommodated inputting the car details manually as the registration was not being recognised because a private plate was being put on the car. One third of the cost the Garage quoted me!

> See all our Testimonials

Direct Gap : Rated 4.93 out of 5 based on 15265 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