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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

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.

Alpesh Patel 23 Oct 2025

Great service this would be the 5th time now

Angela B 20 Sep 2025

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

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

Stephen Webb 10 Nov 2025

I've used Direct Gap for my previous vehicle, so it was an obvious choice for the new car.

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…

Phillip Bee 27 Sep 2025

Great company, easy to use customer portal. Been using this company for about 8 years now.

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.

Heather Smith 28 Oct 2025

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

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…

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.

Mark Troth 19 Nov 2025

I have been with Direct Gap for over 7 years and had three different cars. Website is easy and updating details is hassle free Thanks

Kirstie Skinner 17 Dec 2025

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

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…

PHD Mail Limited 2 Nov 2025

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

GEOFFREY HARDMAN 4 Nov 2025

Easy to set up, used this firm over many years

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.

Kerry Hartnell 23 Oct 2017

I took a policy out with car dealership with my last car paying £500 for 4 yrs. So when we bought this new car for just under £15k we decided to see if we could get Gap i…

Susan Gambier 8 Apr 2021

This is the 2nd time i have used direct gap & would thoroughly recommend.

Aaron Townsend 1 Sep 2021

Very straightforward and close to half what the dealer wanted to charge!

Nick Cook 23 Dec 2013

Excellent experience all round. Bought policy online, but needed some help, so called the free phone number and within 2 minutes my question was answered. I bought from direct GAP…

Scott Rowley 15 Aug 2021

Fast and easy....used this company for my last 3 cars and never had an issue :)

Paul Myers 27 Aug 2020

Third policy we have bought. Very easy to obtain quote, pay and obtain policy. Good prices and great customer service team when I needed to talk to them.

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FAQ

Customer reviews

4.9 out of 5 based on 15357 reviews

Mustafa Rizvi

5 out of 5

Excellent service
Simon Armstrong

5 out of 5

2nd Policy taken out. Very easy website to use and completed start to finish in 10 minutes.
Abigail Cockroft

5 out of 5

Baffled by all these new insurance policies sold by the dealer. Really helpful, reassuring advice given by your rep on the phone. Very grateful.

> See all our Testimonials

Direct Gap : Rated 4.94 out of 5 based on 15357 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