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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

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…

Lee Appleyard 3 Feb 2025

Hayley on the phone was great

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.

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.

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

Edit Hamblett 12 May 2026

Very fast and reliable each time i have purchased a new car i have used Direct Gap as i find the whole process easy

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.

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 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.

Michael Dietz 13 Nov 2025

Have used on a previous vehicle, policy gives a great peace of mind.

Liam Boyle 6 Nov 2025

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

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.

Nic_C 17 Sep 2025

Quick and easy process with friendly advice when I rang to check I had chosen the correct policy

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.

Anne Martin 21 Jul 2026

Very easy to use aand so quick, price was good, have used this site for the last 12 years if not more, for a number of cars

Edward McLeod 6 Jan 2026

thank you, 3rd or 4th policy I bought

GEOFFREY HARDMAN 4 Nov 2025

Easy to set up, used this firm over many years

Rob Hannah 18 Dec 2013

Combination of site (presentation / functionality / customer journey) and product at the price. Good use of your independant five star rating ;)

iain riach 24 Mar 2022

Third policy with Direct Gap. Always competitive and easy to manage online.

V.Tariq 25 Aug 2017

Very easy to obtain a quote from the website. Purchasing the policy was fast and efficient. Very competitive price. Great job!

Martin Priest 26 Jan 2023

Polite and informative, easy to contact and talk to and the products are cheaper than the dealer

John C 17 Dec 2013

No pressure just answered my questions

Mrs K Dorning 9 Jan 2019

Very simple to arrange, competitive quotation. Far better than the dealer option.

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FAQ

Customer reviews

4.9 out of 5 based on 15746 reviews

JULIE Clark

5 out of 5

Good explanation of different types of GAP insurance. Easy to follow steps to purchase the product. Good value, although hopefully won't be needed.
Ian Hanson

5 out of 5

Certainly better deal than purchasing through dealer. Hopefully won't be needed!
Jo Clements

5 out of 5

Good price

> See all our Testimonials

Direct Gap : Rated 4.94 out of 5 based on 15746 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