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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

Lee Haworth 28 Sep 2025

Excellent. Easy to buy. Much cheaper than dealership GAP

Stephen Collins 18 Jul 2025

Dealt with Company for 20 years always excellent.

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…

Alex Sissons 24 Oct 2024

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

Nic_C 17 Sep 2025

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

Rachael McCormack 28 Feb 2025

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

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.

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…

Phillip Bee 27 Sep 2025

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

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

Heather Smith 28 Oct 2025

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

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…

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.

Edward McLeod 6 Jan 2026

thank you, 3rd or 4th policy I bought

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.

Michael Dietz 13 Nov 2025

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

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

John Goodall 18 Dec 2013

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

Gary Oakley 13 Aug 2022

Professionally dealt with, straight forward to set up - good piece of mind, for fair value.

dennis hayden 18 Dec 2013

I have used this company previously they are very helpful and now you can transfer this product to another vehicle

Simon Patterson 1 Sep 2019

From quote to completion this was the easiest process i have ever done. I thoroughly recommend you to anyone.

Mark Totten 12 May 2021

This is the second policy I've purchased through yourselves - simple and straightforward to set up and a reasonable price!

Mike Finch 18 Dec 2013

We needed to cover our new car purchase and looked on line we contacted your adviser who was most helpful

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FAQ

Customer reviews

4.9 out of 5 based on 15358 reviews

Amanda Wollam

5 out of 5

All good so far. Will be able to fully comment if I need to use the policy to claim
Patrick Fry

5 out of 5

Clear and concise information. Substantially cheaper than Mercedes own GAP insurance.
Anna Clyde

5 out of 5

I've bought a new car and the dealers gap insurance was very expensive and was only for a maximum of 4 years-your company was great both on price and lenght of policy

> See all our Testimonials

Direct Gap : Rated 4.94 out of 5 based on 15358 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