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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

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

David Smith 18 Nov 2025

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

Alex Sissons 24 Oct 2024

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

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…

Heather Smith 28 Oct 2025

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

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.

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.

Carolyn Lyle 16 Sep 2025

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

Paul Chattenton 24 Oct 2025

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

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

jennifer Savage 10 Oct 2025

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

Michael Dietz 13 Nov 2025

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

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…

Angela B 20 Sep 2025

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

GEOFFREY HARDMAN 4 Nov 2025

Easy to set up, used this firm over many years

Phil Edwards 10 Jul 2021

Easy to use, Very good prices, Payable by instalments

W Dallam 17 Dec 2013

Great service,email with policy documents followed immediately as soon payment was made. Very responsive when I had an issue with the changing my personal registration number which…

Alan Parker 6 Mar 2021

Very easy to set up my policy. The one query I had was dealt with expertly over the phone. Excellent value for money beating the dealers quote hands down.

Darren yates 1 Apr 2022

Very easy to do only took 5 mins to set up and the offer direct debit if you don't want to do it in one hit.. Great !

John Carnegie 26 Jan 2019

Excellent service and payment, just taken out my 2nd policy after first class service I received after my insurance company declared my car a total loss.

iain riach 24 Mar 2022

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

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FAQ

Customer reviews

4.9 out of 5 based on 15570 reviews

mr l warren

5 out of 5

Excellent fast service.
Christine Stone

5 out of 5

This is a return to Direct Gap. Always an easy process
Mel Gosliga

5 out of 5

On the assumption that 5 is good! I liked the fact that everything appeared to be in clear normal English as opposed to legal jargon.

> See all our Testimonials

Direct Gap : Rated 4.94 out of 5 based on 15570 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