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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

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…

Alex Sissons 24 Oct 2024

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

Paul Chattenton 24 Oct 2025

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

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

Kirstie Skinner 17 Dec 2025

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

Nic_C 17 Sep 2025

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

GEOFFREY HARDMAN 4 Nov 2025

Easy to set up, used this firm over many years

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.

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.

David Smith 18 Nov 2025

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

jennifer Savage 10 Oct 2025

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

Alpesh Patel 23 Oct 2025

Great service this would be the 5th time now

Stephen Collins 18 Jul 2025

Dealt with Company for 20 years always excellent.

Stephen Webb 10 Nov 2025

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

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…

Katie Sharp 3 Sep 2025

Great support on the phone earlier :)

Stuart Davies 17 Jul 2026

Used your company for my last 3 vehicles, very easy to arrange. Luckily have not needed to make any claims so can't comment on the claim process and hope I never will.

Nicholas Price 24 Jan 2019

Way cheaper than dealer prices, dealer wanted more than double for a 4 year plan. Cheers

Ralph Timmins 28 Mar 2020

Good value policy. Upfront details are clear and can defer start date by 12 months which is ideal if you have new for old cover for the first year by your normal insurance company.…

Mark Wilkinson 23 Dec 2013

Recommended in a Which Magazine Survey.

P Cooper 17 Dec 2013

I found the website very easy to use & the price was very competitive. When i had phone in to change my policy the staff were very helpful.

Oliver M 23 Dec 2013

Easy to understand, no-nonsense facts, and a simple purchase procedure. Also, a 1/4 of the dealers quoted price!!

David Hughes 17 Dec 2013

Came out best in multiple web searches. Easy to use and fast site. Completed transaction in 10 mins.:-)

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FAQ

Customer reviews

4.9 out of 5 based on 15642 reviews

Paul Germain

5 out of 5

Very easy
DAVID SMITH

5 out of 5

Easy helpful and Quick to contact. 3rd Policy I have bought from Direct Gap. Excellent value.
Mark Gurney

5 out of 5

Best price available, easy to use website, fast quote and purchase process - would highly recommend using to anyone.

> See all our Testimonials

Direct Gap : Rated 4.94 out of 5 based on 15642 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