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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

Phillip Bee 27 Sep 2025

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

Rachael McCormack 28 Feb 2025

This is 3rd policy weve taken out, much cheaper than dealership and easy to complete

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.

jennifer Savage 10 Oct 2025

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

Alex Sissons 24 Oct 2024

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

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.

David Smith 18 Nov 2025

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

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.

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

PHD Mail Limited 2 Nov 2025

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

Craig Richards 7 Nov 2025

Existing customer, easy to use portal, and helpful staff

Mark Tait 23 Nov 2025

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

Nic_C 17 Sep 2025

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

Carolyn Lyle 16 Sep 2025

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

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…

Kirstie Skinner 17 Dec 2025

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

Kelly 11 Jun 2018

Returning customer :)

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 👍🏼

J Waugh 17 Dec 2013

After receiving your documents by e-mail and reading them through I contacted you by phone in order to verify a point. Your adviser was very helpful, increased my cover as requeste…

Martin Priest 26 Jan 2023

Polite and informative, easy to contact and talk to and the products are cheaper than the dealer

Richard. Alan. Smith 16 Jul 2023

Second time used for gap insurance, no hassle just straight forward application process and a sensible cost. Would highly recommend.

David Spence 27 Dec 2013

Price (compared to manufacturers offer!) & easy to read web page with clear features & benefits for product.

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FAQ

Customer reviews

4.9 out of 5 based on 15426 reviews

Kieran smith

5 out of 5

Brilliant service easy to use and best price online highly recommend
Susan Perkins

5 out of 5

Incredibly competitive pricing, including cover for things the dealership didn't and all for a much lower price!
Struan Wardrope

5 out of 5

Easy and convenient to set up.

> See all our Testimonials

Direct Gap : Rated 4.94 out of 5 based on 15426 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