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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

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.

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…

R Holmes 9 Jan 2026

After having to unfortunately claim last year it was a no brainer to come back to Direct GAP they're so friendly and helpful. It gives me the peace of mind should the worst happen…

Barbara Stewart 4 Dec 2024

Hayley was brilliant 🤩 I had done everything on line & it wouldn’t let me in to do my password so Hayley sent me a link. Also she amended my cover from 3 to 4 yrs. Very pleased w…

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

Phillip Bee 27 Sep 2025

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

PHD Mail Limited 2 Nov 2025

I use Direct Gap for all my Company Car fleet. Easy to use website and competitive rates.

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

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…

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

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.

Heather Smith 28 Oct 2025

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

Kirstie Skinner 17 Dec 2025

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

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.

andy wales 18 Dec 2013

The salesman was helpful, clear and thorough

Dave Wilkinson 6 Sep 2023

Very straight-forward and a compoetitive price.

Darren Garwood 18 Dec 2013

Clearly registered with the FSA and very competitive price, the best over the terms in fact.

Terry Mullins 23 Dec 2013

After checking with my previous supplier they were more than double your price and you offered the same benefits. Good service.

Mary Gee 18 Dec 2013

Whilst surfing I called for a quote which came promptly and I was impressed by the helpfulness and attitude of those who I have contacted by telephone.

Kevin Sloan 18 Dec 2013

Very fast and effective service. Policy came through straight away.

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FAQ

Customer reviews

4.9 out of 5 based on 15443 reviews

D SOLOMONS

5 out of 5

VERY COMPETATIVE PRICE WHITH GOOD COVER. EASY TO APPLY FOR.
Marc Gregory

5 out of 5

Easy and quick to start gap insurance
Malcolm Thornton

5 out of 5

Very quick and easy to use your website - would recommend you to friends.

> See all our Testimonials

Direct Gap : Rated 4.94 out of 5 based on 15443 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