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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

Julian Portman 26 Jan 2024

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

James Hunter 4 Mar 2025

I have just made a claim through Acasta on my previous policy and anticipate the settlement payment in the next few days. The whole process was fairly straightforward.

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.

Heather Smith 28 Oct 2025

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

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…

Kerry Parry 1 Mar 2024

Easy process that is what you want, Diane was nice

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.

Carolyn Lyle 16 Sep 2025

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

Kirstie Skinner 17 Dec 2025

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

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.

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

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.

Phillip Bee 27 Sep 2025

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

Mark Tait 23 Nov 2025

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

Edward McLeod 6 Jan 2026

thank you, 3rd or 4th policy I bought

David Pibworth 3 Feb 2024

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

Lee Appleyard 3 Feb 2025

Hayley on the phone was great

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.

Michelle Halliday 18 Dec 2013

My boyfriend researched Gap Insurance and this was the best available product

Jacqueline Stevens 24 Aug 2020

Quick to purchase, well explained and good value for money. Thank you :)

Chris Bartlett 27 Feb 2021

Now on my fourth policy. Very competitive price.

Aiden Lamb 1 Aug 2019

Used direct gap for my last car and got back a massive amount of money for a small insurance fee. Direct gap were quick and I had no hassle in getting all my money back. Happy retu…

Mark Jones 21 Apr 2021

2nd car covered by this company, half the cost of the main dealer.

W Dallam 17 Dec 2013

Great service,email with policy documents followed immediately as soon payment was made. Very responsive when I had an issue with the changing my personal registration number which…

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FAQ

Customer reviews

4.9 out of 5 based on 15002 reviews

Robert Gillespie

5 out of 5

Brilliant alternative to BMW products
Pawel Kierebinski

5 out of 5

Great ,easy service
Richard Smok

5 out of 5

This is the 5th occasion of using your direct gap insurance. The web site is easy to use with all the relevant information to hand. No problems at all.

> See all our Testimonials

Direct Gap : Rated 4.93 out of 5 based on 15002 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