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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

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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

Peter Hodgett 14 Jun 2026

Third time I have taken out gap insurance with Direct Gap. The process is very easy and it is always competitively priced.

Stuart Davies 17 Jul 2026

Used your company for my last 3 vehicles, very easy to arrange. Luckily have not needed to make any claims so can't comment on the claim process and hope I never will.

Liam Boyle 6 Nov 2025

1st - GREAT! price 2nd - quick and easy 3rd - did i mention the GREAT pricing?

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.

Kirstie Skinner 17 Dec 2025

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

Rachael McCormack 28 Feb 2025

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

Alex Sissons 24 Oct 2024

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

Angela B 20 Sep 2025

Have used Direct Gap for a few years now. Always quick, easy and competitive.

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…

Christopher Fearn 2 Jul 2026

Used on lots of different cars lucky no claims and cheaper than main dealers

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…

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…

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.

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…

David Smith 18 Nov 2025

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

Lee Haworth 28 Sep 2025

Excellent. Easy to buy. Much cheaper than dealership GAP

Mark Aryeetey 5 Jul 2026

Have been using Direct Gap for some years now on my previous cars the service is streamless. I would advise anybody buying a new car on PCP to use Direct Gap as soon as possible.

Clive Richardson 23 Dec 2013

Product highly recommended

Mark Shillito 12 Dec 2018

I rang to ask about the differences between policies before purchasing and a very pleasant lady talked me through the main differences. I was expecting to be asked to sign up there…

Peter Alexander 14 Apr 2021

great service this is the 3rd policy i have bought from this company

Leah Pearce 3 Nov 2020

I called customer services for advice as I haven't had to do this before. The customer services were wonderful. They didn't try and sell me the things I didn't need and was really…

Nicholas Shaw 18 Dec 2013

Combination of clear website and good prices. Just hope it works if I need to make use of it!

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.

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FAQ

Customer reviews

4.9 out of 5 based on 15720 reviews

Christopher Bacon

5 out of 5

The price is very competitive compared to the dealer
Jonny Gage

5 out of 5

Excellent A++++++
Kim Welsh

5 out of 5

Very satisfied. Very easy to buy.

> See all our Testimonials

Direct Gap : Rated 4.94 out of 5 based on 15720 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