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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…

Liam Boyle 6 Nov 2025

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

Angela B 20 Sep 2025

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

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…

Katie Sharp 3 Sep 2025

Great support on the phone earlier :)

Lee Appleyard 3 Feb 2025

Hayley on the phone was great

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.

Alpesh Patel 23 Oct 2025

Great service this would be the 5th time now

Phillip Bee 27 Sep 2025

Great company, easy to use customer portal. Been using this company for about 8 years now.

GEOFFREY HARDMAN 4 Nov 2025

Easy to set up, used this firm over many years

Michael Dietz 13 Nov 2025

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

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.

Mark Tait 23 Nov 2025

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

Paul Chattenton 24 Oct 2025

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

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.

Edward McLeod 6 Jan 2026

thank you, 3rd or 4th policy I bought

Stephen Webb 10 Nov 2025

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

Stephen Collins 18 Jul 2025

Dealt with Company for 20 years always excellent.

tony griffiths 23 Dec 2013

Value seemed good and when speaking to a member of staff was pleased with the level of knowledge about the products he had and the friendly approach he gave to my enquiry

Ashley Griffiths 19 Jan 2019

I am a returning customer and have always received a great service when changing plates or vehicles. Great company with extremely competitive prices!

Jonathan Hawkins 5 Feb 2021

Really good price and better value than other companies. I used the phone service and the agent was so helpful and gave lots of advice. Very easy to buy and excellent to see differ…

Robert Middlemass 27 Jun 2019

Straight forward, easy to understand, and a great price for GAP insurance, almost 50% cheaper than other insurers. Thank you Direct Gap.

Peter Alexander 14 Apr 2021

great service this is the 3rd policy i have bought from this company

Susan Ellis 19 Jun 2019

My husband took out your insurance after researching prices etc with other companies and advised me to do the same with my new car.

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FAQ

Customer reviews

4.9 out of 5 based on 15403 reviews

Paul Sheppard

5 out of 5

Policy really easy to set up ! Recommend to all ! Many thanks .
Peter Ford

5 out of 5

Assuming all is as it seems, a good policy at a good price with an easy website to understand.
Peter Reaney

5 out of 5

excellent as always.

> See all our Testimonials

Direct Gap : Rated 4.94 out of 5 based on 15403 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