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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

Edward McLeod 6 Jan 2026

thank you, 3rd or 4th policy I bought

Carolyn Lyle 16 Sep 2025

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

Paul Chattenton 24 Oct 2025

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

Michael Dietz 13 Nov 2025

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

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.

Angela B 20 Sep 2025

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

Stephen Collins 18 Jul 2025

Dealt with Company for 20 years always excellent.

Lee Appleyard 3 Feb 2025

Hayley on the phone was great

Alpesh Patel 23 Oct 2025

Great service this would be the 5th time now

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…

Liam Boyle 6 Nov 2025

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

Phillip Bee 27 Sep 2025

Great company, easy to use customer portal. Been using this company for about 8 years 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 Tait 23 Nov 2025

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

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.

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.

Stephen Webb 10 Nov 2025

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

A Bowers 23 Dec 2013

Simple to purchase and clear advice and access to the policy documents

Richard. Alan. Smith 16 Jul 2023

Second time used for gap insurance, no hassle just straight forward application process and a sensible cost. Would highly recommend.

Stephen Johnson 5 Dec 2020

made a massive saving by shopping around myself, the finance company want £500 for gap cover, saved myself £350

John Goodall 18 Dec 2013

Buying a new car and dealer wanted £395 for the same amount of cover. Much cheaper buying direct.

Robert W 17 Dec 2013

My third van I have insured with you. Keep up the good work.

Scott Rowley 15 Aug 2021

Fast and easy....used this company for my last 3 cars and never had an issue :)

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FAQ

Customer reviews

4.9 out of 5 based on 15433 reviews

karen james

5 out of 5

Easy to obtain quote, suits our needs, cover for 5yrs only £159 and will pay for things not covered by other providers. Hope not to use the policy but seems silly not to have this type of insurance and we hope we will receive the same level of service if the unfortunate does happen.
John

5 out of 5

Very easy site to use, clear explanations and excellent value - thanks.
Helen Bett

5 out of 5

Easy to get the policy I wanted in a matter of minutes.

> See all our Testimonials

Direct Gap : Rated 4.94 out of 5 based on 15433 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