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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.

Stephen Collins 18 Jul 2025

Dealt with Company for 20 years always excellent.

Lee Haworth 28 Sep 2025

Excellent. Easy to buy. Much cheaper than dealership GAP

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.

Katie Sharp 3 Sep 2025

Great support on the phone earlier :)

David Smith 18 Nov 2025

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

Alex Sissons 24 Oct 2024

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

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.

Alpesh Patel 23 Oct 2025

Great service this would be the 5th time now

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…

Angela B 20 Sep 2025

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

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.

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.

Liam Boyle 6 Nov 2025

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

Heather Smith 28 Oct 2025

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

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.

Alan Broad 18 Dec 2013

Good price, good features, very easy quotes

Richard Alan Smith 28 Jul 2021

This is my second policy, just as easy has the first. No Hassle, first class service at a very competitive cost.

Hogar Marof 18 Dec 2013

Very efficient and easy to understand

Craig Robins 18 Dec 2013

I have previously taken out GAP insurance with Direct GAP on my previous vehicle, although thankfully I did not need to use it, I still think in todays current climate to protect t…

Nigel Fenton 7 Mar 2020

I had to make a claim with these guys before and was very happy with the service I received and was paid out very swiftly. I am now taking out another policy for the replacement ve…

Ann 21 Jun 2018

Less than half the price of dealer. You can see the policy before you commit to buy. I think I've done the right thing. Excellent reviews.

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FAQ

Customer reviews

4.9 out of 5 based on 15392 reviews

steve wright

5 out of 5

Very straightforward procedure, great thanks the dealer ship wanted nearly 4x as much!
Jane Hubbard

5 out of 5

Direct Gap was £140.00 cheaper than the GAP offered by the dealership?
Emma Taylor

5 out of 5

Great service on the phone when calling to check most suitable policy! Thank you!

> See all our Testimonials

Direct Gap : Rated 4.94 out of 5 based on 15392 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