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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

Stephen Collins 18 Jul 2025

Dealt with Company for 20 years always excellent.

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.

Mark Aryeetey 5 Jul 2026

Have been using Direct Gap for some years now on my previous cars the service is streamless. I would advise anybody buying a new car on PCP to use Direct Gap as soon as possible.

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.

Nic_C 17 Sep 2025

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

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

Edit Hamblett 12 May 2026

Very fast and reliable each time i have purchased a new car i have used Direct Gap as i find the whole process easy

Rachael McCormack 28 Feb 2025

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

Marcin Dlugoszek 18 Jul 2026

Simple, straight forward purchase process. Our 3rd policy now!!!

Jennifer Hodgett 2 Jan 2026

Website is so easy to use and the level of cover and cost compares favourably with their competitors. Second policy with Direct Gap would definitely recommend to others.

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.

Heather Smith 28 Oct 2025

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

Michael Dietz 13 Nov 2025

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

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.

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…

Mark Tait 23 Nov 2025

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

Lee Haworth 28 Sep 2025

Excellent. Easy to buy. Much cheaper than dealership GAP

Edward McLeod 6 Jan 2026

thank you, 3rd or 4th policy I bought

Mrs D Wilson 17 Dec 2013

You were recommend by a friend who has direct gap insurance

Irene Back 20 Dec 2021

Excellent site easy and friendly use. Price was very good and I got immediate cover. Excellent service thank you.

A Simcock 17 Dec 2013

Bought a car for our son Alex and purchased gap insurance for other cars in the family however, purchased through the motor dealer and charged a ridiculous price. Was not aware tha…

michael stanford 23 Dec 2013

price easy to use web page.

Gillian Greenwood 17 Dec 2013

Reviewed Which? report on GAP insurance and then compared you with one of the other low-cost providers and your price was slightly better and your presentation on the website was a…

Racheal T 17 Dec 2013

You treated me with patience and great respect as a new customer. Thank you.

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FAQ

Customer reviews

4.9 out of 5 based on 15663 reviews

Chris

5 out of 5

Quick, straight forward and easily best value for money.
Mr M Purewal

5 out of 5

Plenty of information for each policy - Examples were very useful.
Ann Radford

5 out of 5

Really simple to use, and answered all my questions which I thought I would have had to ask a customer service person. Great price, £120.00 cheaper than Skoda gap insurance.

> See all our Testimonials

Direct Gap : Rated 4.94 out of 5 based on 15663 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