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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

Alpesh Patel 23 Oct 2025

Great service this would be the 5th time now

GEOFFREY HARDMAN 4 Nov 2025

Easy to set up, used this firm over many years

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.

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.

Angela B 20 Sep 2025

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

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

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.

Nic_C 17 Sep 2025

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

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.

jennifer Savage 10 Oct 2025

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

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

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.

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.

Barbara Stewart 4 Dec 2024

Hayley was brilliant 🤩 I had done everything on line & it wouldn’t let me in to do my password so Hayley sent me a link. Also she amended my cover from 3 to 4 yrs. Very pleased w…

Edward McLeod 6 Jan 2026

thank you, 3rd or 4th policy I bought

Noel Egbury 22 Jun 2023

Very quick to obtain a quote and much, much cheaper than the main dealer price offered at the point of sale.

John Walsh 20 Feb 2019

Great cover, great price and great service. Thank you

Paul Gregory 19 Mar 2021

I used you before, I will again and again, this is so easy. Thanks.

Mitchell Elliott 2 Oct 2019

Dealing with insurance companies can be a nightmare, but Hayley was lovely and took her time to explain and answer all the questions I had regarding the potential policy.

tim walker 23 Dec 2013

I spoke to someone on the phone. It was the help that he offered that prompted my purchase. Price was secondary. I will only ever really know if I have to claim

Peter holland 18 Dec 2013

Product seamed to cover my needs. Also very helpful when I advised them that I had put the incorrect registration details on the application. This was changed promptly with no fuss…

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FAQ

Customer reviews

4.9 out of 5 based on 15447 reviews

Hugh Williams

5 out of 5

Easy application and approval
DENISE ROWLAND

5 out of 5

EXCELLENT WEBSITE, VERY CLEAR AND EASY TO USE.
Justyn Rhead

5 out of 5

I reviewed a few different companies but I found directgap to be the best on price and very easy to complete online. Very pleased with the service.

> See all our Testimonials

Direct Gap : Rated 4.94 out of 5 based on 15447 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