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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

Phillip Bee 27 Sep 2025

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

Alpesh Patel 23 Oct 2025

Great service this would be the 5th time now

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…

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…

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

Kirstie Skinner 17 Dec 2025

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

GEOFFREY HARDMAN 4 Nov 2025

Easy to set up, used this firm over many years

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

David Smith 18 Nov 2025

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

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…

Michael Dietz 13 Nov 2025

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

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.

Rachael McCormack 28 Feb 2025

This is 3rd policy weve taken out, much cheaper than dealership and easy to complete

Craig Richards 7 Nov 2025

Existing customer, easy to use portal, and helpful staff

Carolyn Lyle 16 Sep 2025

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

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.

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.

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.

Lisa K 18 Dec 2013

Much cheaper than my dealer quote. Thank you

Joseph Adeleye 26 Mar 2018

I had my car stolen and direct gap were very considerate. They helped me through my claim and helped with the vehicle replacement. I would recommend direct gap to anyone looking fo…

Mark Jones 21 Apr 2021

2nd car covered by this company, half the cost of the main dealer.

Jamie Stafford 7 Sep 2018

Took a policy with my previous car and even though it wasn’t needed it was nice to have the protection. Needless to say my new car is now covered.

Brian Kelly 18 Dec 2013

Excellent policy and easy quote system very easy to purchase on line very happy indeed Thanks indeed

Lewis Smith 12 Jan 2019

Very quick & easy to do... very straightforward. Would definitely recommend from a purchasing point of you. Clear guidance, very easy to understand.

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FAQ

Customer reviews

4.9 out of 5 based on 15363 reviews

Tracey Smith

5 out of 5

Spoke to an operative, whom satisfied my question. Easy to purchase online, hopefully the start of a long term relationship.
Kev Beilby

5 out of 5

Great price. Easy to use website. Great policy benefits.
John Turnham

5 out of 5

Havent had to use the policy as just purchased, but cheap and user friendly interface!

> See all our Testimonials

Direct Gap : Rated 4.94 out of 5 based on 15363 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