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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 Smith 18 Nov 2025

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

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.

Edward McLeod 6 Jan 2026

thank you, 3rd or 4th policy I bought

Alex Sissons 24 Oct 2024

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

Alpesh Patel 23 Oct 2025

Great service this would be the 5th time now

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.

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

Stephen Collins 18 Jul 2025

Dealt with Company for 20 years always excellent.

Heather Smith 28 Oct 2025

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

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…

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.

Stephen Webb 10 Nov 2025

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

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.

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…

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…

Paul Chattenton 24 Oct 2025

Very straight forward to arrange and actually cheaper than I expected.

Michael Dietz 13 Nov 2025

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

Chun Wong 23 Dec 2013

Liked the Which magazine recommendation.

John Hart 18 Dec 2013

Brilliant site & service.

Peter Michael Payne 23 Dec 2013

Wonderful value. Saved £276 on dealer quote. Excellent service on 'phone from Elizabeth. Will certainly recommend you to my family and friends.

Jacqueline Stevens 24 Aug 2020

Quick to purchase, well explained and good value for money. Thank you :)

Gary Smith 13 Jul 2023

Competitive rates and very straight forward to use. Thank you

Paul carter 15 Jun 2021

Competitive price that has given me more confidence in driving my car.

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FAQ

Customer reviews

4.9 out of 5 based on 15440 reviews

Lynda Hill

5 out of 5

So easy and quick to set up and saved over one hundred pounds what I was quoted elsewhere.
Elizabeth Jewer

5 out of 5

user friendly price and explanation of gap insurance
Fergus McConnell

5 out of 5

All good

> See all our Testimonials

Direct Gap : Rated 4.94 out of 5 based on 15440 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