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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

Lee Haworth 28 Sep 2025

Excellent. Easy to buy. Much cheaper than dealership GAP

Rachael McCormack 28 Feb 2025

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

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.

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

Isabelle Salami 20 Apr 2024

Friendly customer service. Answered my queries politely and professionally. No complaints and would recommend!

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.

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

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…

David Smith 18 Nov 2025

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

Paul Chattenton 24 Oct 2025

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

Craig Richards 7 Nov 2025

Existing customer, easy to use portal, and helpful staff

Richard Smok 6 Mar 2024

I have used Direct Gap for many years and always found them competitive, value for money and easy to deal with.

Stephen Webb 10 Nov 2025

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

Janine Withers 23 Dec 2025

This is the 3rd policy I have brought from Direct Gap, their staff are always so friendly & helpful, I keep coming back to them.

Alex Sissons 24 Oct 2024

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

Alpesh Patel 23 Oct 2025

Great service this would be the 5th time now

Nic_C 17 Sep 2025

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

Mary Gee 18 Dec 2013

Whilst surfing I called for a quote which came promptly and I was impressed by the helpfulness and attitude of those who I have contacted by telephone.

Clare emmins 23 Dec 2013

Because the quote was a lot cheaper than that of the garage where I bought my car. I like the peace of mind that having gap insurance gives.

Francis M 17 Dec 2013

Thought it was only for new cars so pleased to find I could cover mine with you.

kenneth Sidford 18 Dec 2013

Phoned with a query and spoke to Elizabeth. She was So helpful, I didn't bother with other quotes.

Warren Edwicker 17 Aug 2021

This is my third policy from Direct Gap. Easy to get a quote, best price for the cover offered and customer service is great if you have to call them. Highly recommend this company…

Allison knight 23 Dec 2013

The price , product and service were very good . I spoke to an advisor before purchasing as I had a few questions to ask, he was helpful and informative. So much cheaper than the d…

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FAQ

Customer reviews

4.9 out of 5 based on 15137 reviews

K Siddle

5 out of 5

better cover than offered ny the Main Agent/car-dealer on purchase, at half the cost.......Thanks for the help at an important, tight moment.
Karen Skuse

5 out of 5

The terms and cost of this policy are excellent. I've only just purchased it, so I can't make a comment about a claim. The peace of mind when buying a new car is worth every penny knowing that I will not be left with any debts if the car is written off. A bonus - I'm supporting a local company :-)
Shaun C Greaves

5 out of 5

Good service, easy to navigate and at a reasonable price.

> See all our Testimonials

Direct Gap : Rated 4.93 out of 5 based on 15137 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