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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

Phillip Bee 27 Sep 2025

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

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.

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…

Mark Tait 23 Nov 2025

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

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.

Craig Richards 7 Nov 2025

Existing customer, easy to use portal, and helpful staff

Stephen Webb 10 Nov 2025

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

Nadiya Davies 23 Apr 2024

Hayley was brilliant over the phone!

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…

Paul Chattenton 24 Oct 2025

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

Alex Sissons 24 Oct 2024

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

jennifer Savage 10 Oct 2025

so easy , called the office as well to check something very helpful staff . impressed!

Michael Dietz 13 Nov 2025

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

PHD Mail Limited 2 Nov 2025

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

Nic_C 17 Sep 2025

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

Kirstie Skinner 17 Dec 2025

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

David Smith 18 Nov 2025

Great service and Hayley was very helpful when I phoned for more information, thank you.

GEOFFREY HARDMAN 4 Nov 2025

Easy to set up, used this firm over many years

Paul R 23 Sep 2019

Absolutely first class. Very easy online process with lots of clear information. The telephone help from James was absolutely fabulous. Many thanks for a great service!

Darren yates 1 Apr 2022

Very easy to do only took 5 mins to set up and the offer direct debit if you don't want to do it in one hit.. Great !

P Cooper 17 Dec 2013

I found the website very easy to use & the price was very competitive. When i had phone in to change my policy the staff were very helpful.

Susan Ellis 19 Jun 2019

My husband took out your insurance after researching prices etc with other companies and advised me to do the same with my new car.

Mandy Nightingale 23 Dec 2013

I was offered GAP Insurance from the dealer but it was substantially more expensive, whereas your company offered a very competitive price and the cover is ideal.

Lawrence Wood 29 Mar 2018

Easy to use website and policy good value. Staff were exceptional when I realised I had made an error and was sorted out with no fuss at all! Very happy customer.

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FAQ

Customer reviews

4.9 out of 5 based on 15225 reviews

Sharon Kinchin

5 out of 5

Bought Gap insurance on recommendation from my spouse, his cover was very reasonable and so was mine.
gerald king

5 out of 5

Easy to complete
Bradley Pollard

5 out of 5

Very easy to take out online, I had a query so asked on the live chat and they offered to call me back instead of waiting. They called me back very promptly and were able to answer all my questions. The price is far more reasonable than anywhere else and I did a lot of price comparisons! Just hope we don't need to claim.

> See all our Testimonials

Direct Gap : Rated 4.93 out of 5 based on 15225 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