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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

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.

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

Paul Chattenton 24 Oct 2025

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

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…

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.

Craig Richards 7 Nov 2025

Existing customer, easy to use portal, and helpful staff

Michael Dietz 13 Nov 2025

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

Rachael McCormack 28 Feb 2025

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

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…

Stephen Collins 18 Jul 2025

Dealt with Company for 20 years always excellent.

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.

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.

Liam Boyle 6 Nov 2025

1st - GREAT! price 2nd - quick and easy 3rd - did i mention the GREAT pricing?

Carolyn Lyle 16 Sep 2025

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

Lee Appleyard 3 Feb 2025

Hayley on the phone was great

Phillip Bee 27 Sep 2025

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

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.

Katie Sharp 3 Sep 2025

Great support on the phone earlier :)

Olivier Barthelemy 18 Dec 2013

Seems to have best service combined with competitive price.

David Cocker 16 Oct 2020

Excellent, well laid out website, quick and easy to navigate and purchase the required cover. Office staff very professional and answered my cover query promptly.

Steve Haywood 18 Dec 2013

Very clear wording, much cheaper than the insurers / dealers.

Tania Haylett 23 Dec 2013

I have read so many good reviews about you and the price was good too.

Richard Jenkinson 23 Dec 2013

Great web site, plus price is miles cheaper than main dealer offer

Garry Mason 18 Jun 2019

I have been using Direct Gap Insurance for a number of years and it definitely gives me peace of mind . Cars can be very expensive and as we all know and once you drive it of the f…

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FAQ

Customer reviews

4.9 out of 5 based on 15517 reviews

Kristina Mills

5 out of 5

Very clear website, benefits very clearly explained plus option to email summary to me to read before I purchased. This is why I chose you over ala and Autotrader as you made it very clear before hand.
Matt de Hoest

5 out of 5

Very good so far - very easy to arrange. Hopefully the cover is as good as claimed.
ALAN SLIM

5 out of 5

Easy to use and buy, and cheaper than the dealer.

> See all our Testimonials

Direct Gap : Rated 4.94 out of 5 based on 15517 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