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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

Peter Hodgett 14 Jun 2026

Third time I have taken out gap insurance with Direct Gap. The process is very easy and it is always competitively priced.

Stephen Webb 10 Nov 2025

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

Anne Martin 21 Jul 2026

Very easy to use aand so quick, price was good, have used this site for the last 12 years if not more, for a number of cars

Barry Edwards 17 Jun 2026

Used this company many times...great price for peace of mind .

Christopher Fearn 2 Jul 2026

Used on lots of different cars lucky no claims and cheaper than main dealers

Alex Sissons 24 Oct 2024

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

GEOFFREY HARDMAN 4 Nov 2025

Easy to set up, used this firm over many years

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.

Edit Hamblett 12 May 2026

Very fast and reliable each time i have purchased a new car i have used Direct Gap as i find the whole process easy

Katie Sharp 3 Sep 2025

Great support on the phone earlier :)

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.

Kirstie Skinner 17 Dec 2025

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

Paul Chattenton 24 Oct 2025

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

Carolyn Lyle 16 Sep 2025

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

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.

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…

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.

Marcin Dlugoszek 18 Jul 2026

Simple, straight forward purchase process. Our 3rd policy now!!!

James Mc Hugh 23 Dec 2013

A fair price, very good net service and documents sent via net immediately

Tim Turnage 23 Dec 2013

competitive price and ease of purchasing no need to phone and waste more time and money.

Anthony Cowley 23 Dec 2013

I tried a few companies via comparison sites but what persuaded me was that your initial quote was very fair. A couple of others were more expensive and less than a week after gett…

Mick Coy 23 Dec 2013

Superb, simple use of technogy. So many companies bog themselves down in complicated web sites and backend capabilities that it complicates the front end (web precense). Impressed,…

Graham Old 18 Dec 2013

Quick, easy and simple and provided exactly what I required.

Joan Buttle 6 Jun 2018

All my questions were answered clearly and I was left knowing exactly which policy to buy. I am happy with the purchase I have made which was cheaper and over a longer term than th…

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FAQ

Customer reviews

4.9 out of 5 based on 15633 reviews

chris errington

5 out of 5

Had to use my previous policy with direct gap found to be quick , helpful and friendly pity my insurance company were not as quick.
Dale C

5 out of 5

Great price, clear website and allowed me to defer the start of the policy.
Brian Hougham

5 out of 5

I have used this site before and found it easy to use. Just gives you peace of mind in case anything unfortunate should happen.

> See all our Testimonials

Direct Gap : Rated 4.94 out of 5 based on 15633 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