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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

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…

David Smith 18 Nov 2025

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

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.

Katie Sharp 3 Sep 2025

Great support on the phone earlier :)

Edward McLeod 6 Jan 2026

thank you, 3rd or 4th policy I bought

Paul Chattenton 24 Oct 2025

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

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…

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…

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…

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.

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.

Craig Richards 7 Nov 2025

Existing customer, easy to use portal, and helpful staff

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.

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.

Martin Dyer 27 Aug 2021

Called to discuss before purchasing as had not leased a car previously (had GAP on PCP vehicle) Agent was very knowledgeable and covered all of my queries in detail

Mark Bhalay 30 Aug 2020

Nice and simple to purchase, and at a great price as well. Main dealer wanted £399, whereas DirectGAP wanted £139. I’d have been mad not to go for this policy over the dealerships…

Chris Wyatt 28 May 2017

Looked for a GAP insurance, and found this site to be very easy to use and follow. Direct GAP has saved us £400 - compared to product offered by dealership. Would recommend to…

Bob 17 Dec 2013

Like the instant cover and deferred start date

Peter Emsell 2 Sep 2021

Very easy to set up and piece of mind. Good value compared to Dealership

Warren Edwicker 17 Aug 2021

This is my third policy from Direct Gap. Easy to get a quote, best price for the cover offered and customer service is great if you have to call them. Highly recommend this company…

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FAQ

Customer reviews

4.9 out of 5 based on 15525 reviews

Wendy Warwick

5 out of 5

Search engine. Good choice of products. Well explained.
David Rogers

5 out of 5

Contacted Direct line on the phone before purchasing online to ask specific questions about the policy. I received really helpful advice from a friendly representative.
Raymond Davies

5 out of 5

Swift and simple to use at competitive price

> See all our Testimonials

Direct Gap : Rated 4.94 out of 5 based on 15525 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