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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

Nadiya Davies 23 Apr 2024

Hayley was brilliant over the phone!

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.

Michael Dietz 13 Nov 2025

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

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

Heather Smith 28 Oct 2025

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

Craig Richards 7 Nov 2025

Existing customer, easy to use portal, and helpful staff

Kirstie Skinner 17 Dec 2025

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

Lee Haworth 28 Sep 2025

Excellent. Easy to buy. Much cheaper than dealership GAP

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.

Angela B 20 Sep 2025

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

Leyon Joseph 14 Mar 2024

I have been in the unfortunately position to have to use this policy and can say they were very helpful through the whole process 5 stars

Mark Tait 23 Nov 2025

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

David Smith 18 Nov 2025

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

Phillip Bee 27 Sep 2025

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

Edward McLeod 6 Jan 2026

thank you, 3rd or 4th policy I bought

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…

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.

L RUSHFORTH 11 Jul 2019

Transparent and easy cover within 5 mins. I work for a GAP company but chose my RTI/Finance policy from here with a 70% saving!! Received my docs immediately. Very impressed 👍🏼

Paul Ryan 14 Aug 2021

Quick and easy

Daniel Irvine 18 Dec 2013

Had it recommended by a relative.

Michael Giles 18 Dec 2013

Your prices are very good and your web site very easy to use

Mark Templeman 23 Dec 2013

Had a query about deferring my start date for a new car and the call was answered quickly by a very knowledgeable and helpful chap who handled my query in a friendly and profession…

Nigel Fenton 7 Mar 2020

I had to make a claim with these guys before and was very happy with the service I received and was paid out very swiftly. I am now taking out another policy for the replacement ve…

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FAQ

Customer reviews

4.9 out of 5 based on 15183 reviews

mrs J Doggett

5 out of 5

Good explanation of policy type and cover, easy steps to request quote and place order
Pam Macmillan

5 out of 5

You clarified the terms and condition giving me the confidence to buy.
Alexander Donald

5 out of 5

Simple instructions. Have had Direct Gap Insurance when I bought my last car but that was 8 years ago. Now have another new car purchased so for a peace of mind I decided to have gap insurance again as a friend didn't have any before his car was written off by another driver and he lost heavily on the insurance pay out.

> See all our Testimonials

Direct Gap : Rated 4.93 out of 5 based on 15183 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