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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

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…

Edward McLeod 6 Jan 2026

thank you, 3rd or 4th policy I bought

Craig Richards 7 Nov 2025

Existing customer, easy to use portal, and helpful staff

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

David Pibworth 3 Feb 2024

Easy to complete and far cheaper than quoted by the main dealer

PHD Mail Limited 2 Nov 2025

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

Nadiya Davies 23 Apr 2024

Hayley was brilliant over the phone!

Stephen Webb 10 Nov 2025

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

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

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.

Katie Sharp 3 Sep 2025

Great support on the phone earlier :)

jennifer Savage 10 Oct 2025

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

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…

Julian Portman 26 Jan 2024

Very easy to arrange. Competitive price. Used with two previous cars.

Richard Smok 6 Mar 2024

I have used Direct Gap for many years and always found them competitive, value for money and easy to deal with.

Rachael McCormack 28 Feb 2025

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

Phillip Bee 27 Sep 2025

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

Peter Egerton 1 Feb 2024

It’s so easy to set up and I’m confident in the policy that it covers all my costs.

Ralph Timmins 28 Mar 2020

Good value policy. Upfront details are clear and can defer start date by 12 months which is ideal if you have new for old cover for the first year by your normal insurance company.…

James Carter 4 Jan 2019

I taken this policy out, knowing paying more than another provider after speaking to James over the phone, his knowledge & confidence has reassured me that should I need your s…

natasha badger 28 Oct 2023

Easy to use and half the cost the dealership wanted for a gap policy

J Waugh 17 Dec 2013

After receiving your documents by e-mail and reading them through I contacted you by phone in order to verify a point. Your adviser was very helpful, increased my cover as requeste…

Nicole Hickman 17 May 2018

Great service, super quick & brilliant price. I've always purchased my GAP via the dealership and it's always cost me c. £500 for a policy that didn't even cover the full…

Jamie Stafford 7 Sep 2018

Took a policy with my previous car and even though it wasn’t needed it was nice to have the protection. Needless to say my new car is now covered.

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FAQ

Customer reviews

4.9 out of 5 based on 15012 reviews

david flanagan

5 out of 5

Quick and easy to navigate on site, payment was easy aswell.
Natasha Murphy

5 out of 5

Thank you
Liam T

5 out of 5

Phoned the office for a bit of assistance with the online application and they sorted the information out for me instantly. Brilliant service so far, Thank you.

> See all our Testimonials

Direct Gap : Rated 4.93 out of 5 based on 15012 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