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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

GEOFFREY HARDMAN 4 Nov 2025

Easy to set up, used this firm over many years

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…

Phillip Bee 27 Sep 2025

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

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.

Nic_C 17 Sep 2025

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

Mark Tait 23 Nov 2025

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

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.

Heather Smith 28 Oct 2025

Used several times only claimed once due to car being stolen, excellent customer service and speedy service in payment

Rachael McCormack 28 Feb 2025

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

Lee Appleyard 3 Feb 2025

Hayley on the phone was great

Michael Dietz 13 Nov 2025

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

Isabelle Salami 20 Apr 2024

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

Michael Voyzey 4 Jan 2024

Really easy to purchase a Gap Insurance Policy this is my second one with Direct Gap

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.

Angela B 20 Sep 2025

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

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…

Ranjit Ghag 11 Dec 2023

I have previously used this service and find it amazing, competitive prices and cheaper than buying direct from dealers.

darren birch 8 Jan 2024

used before and experienced great service, thats why im back

Wendy Lawrence 23 Dec 2013

Excellent website. Others amateurish - had spelling/grammar mistakes. All my questions answered on website, again unlike others. Good price.

Mr M Vaziri 23 Dec 2013

Excellent website; Excellent telephone help; Excellent price

R Collister 23 Dec 2013

Simply because of value for money, and a professional service.

Elaine P 18 Dec 2013

Just purchased my second policy, thanks for the excellent service

Mitchell Elliott 2 Oct 2019

Dealing with insurance companies can be a nightmare, but Hayley was lovely and took her time to explain and answer all the questions I had regarding the potential policy.

Paul McGee 23 Dec 2013

Nice to speak to a person who understands the product and my needs

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FAQ

Customer reviews

4.9 out of 5 based on 14921 reviews

Archie Davies

5 out of 5

ok
Paul Kirkham

5 out of 5

Easy and effortless to do and cheaper than the dealer who wanted £399, I paid £129 which makes this a no brainer
CyMan

5 out of 5

Well as far as the purchase experience goes it was as easy as click click pay - done. Whether the claims experience is as fast and hassle free I hope I never need to find out - lets see. I can say though that I did shop around and the price I was offered here was definitely the best I found. Having once previously had a car stolen with Gap Insurance I can honestly say it is a total life saver - should that nasty day ever arise. Anyone driving a expensive car without GAP Insurance is either a moron or minted ;-)

> See all our Testimonials

Direct Gap : Rated 4.93 out of 5 based on 14921 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