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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

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.

Kirstie Skinner 17 Dec 2025

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

PHD Mail Limited 2 Nov 2025

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

Lee Appleyard 3 Feb 2025

Hayley on the phone was great

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…

Katie Sharp 3 Sep 2025

Great support on the phone earlier :)

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

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.

Craig Richards 7 Nov 2025

Existing customer, easy to use portal, and helpful staff

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.

Carolyn Lyle 16 Sep 2025

Great information easy to understand and £100 less than my dealer offered.

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

Mark Tait 23 Nov 2025

Used Direct Gap for years. Friendly, efficient service , great prices and fantastic customer service.

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…

Heather Smith 28 Oct 2025

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

Nic_C 17 Sep 2025

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

Stephen Webb 10 Nov 2025

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

Christine Davies 14 Sep 2023

Straightforward application process. Competitive premium rates. Have dealt with company before.

Magdalena Richardson 2 Aug 2021

Super quick and easy. Team were on hand to immediately answer my call and explain and last minute questions before I purchased the policy- thank you!

Stephen Johnson 5 Dec 2020

made a massive saving by shopping around myself, the finance company want £500 for gap cover, saved myself £350

mike cushley 18 Dec 2013

competitive price, able to defer start date. Clear information on website

manisha cook 30 Jul 2021

Excellent value on quote Great explanation of policy using worked examples. FAQs very informative Easy step by step process and took minutes to action

David Mitchell 23 Dec 2013

Great policy and so much cheaper than dealer

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FAQ

Customer reviews

4.9 out of 5 based on 15461 reviews

mark young

5 out of 5

quick and easy to get a quote online reasonable price
Les Dunbar

5 out of 5

Super quick and easy to get a quote (by far the cheapest I found online) and even easier to process.
Catherine Ellis

5 out of 5

Very straightforward process to apply for cover.

> See all our Testimonials

Direct Gap : Rated 4.94 out of 5 based on 15461 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