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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

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!

Chris R 4 Oct 2024

Excellent Customer service and support. Quick and easy to set up. Great price. Would highly recommend based on my personal experience.

jennifer Savage 10 Oct 2025

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

Carolyn Lyle 16 Sep 2025

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

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.

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 Collins 18 Jul 2025

Dealt with Company for 20 years always excellent.

Alpesh Patel 23 Oct 2025

Great service this would be the 5th time now

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.

PHD Mail Limited 2 Nov 2025

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

Heather Smith 28 Oct 2025

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

Mark Tait 23 Nov 2025

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

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.

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 Kent 10 Sep 2025

Always been very pleased with company and will continue to use for my GAP ins, wdl done guys full marks.

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.

wing sze leong 23 Dec 2013

Competitive price and easy to use website

Graham Bowtle 30 Mar 2022

Excellent website - easy to follow and product very good value.

K Chaz 18 Dec 2013

Very good cover and great price

S George 18 Dec 2013

Best price for level of cover I wanted. Website easy to navigate. The follow up administartion was also very good

T Kellett 10 Oct 2017

This is the second time I've used Direct Gap. So easy to setup the policy online and much better price than the dealership!

Anna Clyde 17 Dec 2013

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

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FAQ

Customer reviews

4.9 out of 5 based on 15437 reviews

Mr Mehair

5 out of 5

Explained that Tesla tracker is already built in and that the car is not parked in a garage but within secure gated estate. Direct Gap customer agent checked this and then confirmed it would not be an issue. Excellent customer service and fully understood the specific quirks around Tesla cars and being such a new manufacturer. Thanks again much appreciated.
Joy forrest

5 out of 5

This the second car I have covered. A lot cheaper than he main dealers wanted.
John Ansell

5 out of 5

looks good, hopefully i wont need to use it

> See all our Testimonials

Direct Gap : Rated 4.94 out of 5 based on 15437 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