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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

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

Katie Sharp 3 Sep 2025

Great support on the phone earlier :)

Heather Smith 28 Oct 2025

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

David Smith 18 Nov 2025

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

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.

Nadiya Davies 23 Apr 2024

Hayley was brilliant over the phone!

Carolyn Lyle 16 Sep 2025

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

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.

Liam Boyle 6 Nov 2025

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

Lee Haworth 28 Sep 2025

Excellent. Easy to buy. Much cheaper than dealership GAP

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.

Mark Tait 23 Nov 2025

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

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

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…

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.

Edward McLeod 6 Jan 2026

thank you, 3rd or 4th policy I bought

Rachael McCormack 28 Feb 2025

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

Marcus Hudson 23 May 2021

After shopping around and trying different sites this one I found was the best laid out . Very clear and easy to understand , site not crashing on you as you progressed . Price was…

Lisa K 18 Dec 2013

Much cheaper than my dealer quote. Thank you

Andrew Garner 13 May 2022

Easy to set up and a great deal cheaper than dealer, also a uk based company!

Claire Seymour 12 Jan 2019

Recommended by a friend - applied for gap insurance online very quick, easy and trustworthy! great price too. Thank you

Paul Muchmore 8 May 2021

As not very computer or tech savvy found site easy to use.

Gillian Dawson 18 Dec 2013

This company and policy offered everything I wanted - reassurance, guarantees and professional service. My phone call to set up the policy was dealt with efficiently, effectively a…

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FAQ

Customer reviews

4.9 out of 5 based on 15256 reviews

Anthony Mills

5 out of 5

Easy to navigate
Attila Dervish

5 out of 5

Your telephone advisors are very good at answering any queries one may have.
Vincent Croft

5 out of 5

Website very user-friendly; to operate and terminology easy to understand.

> See all our Testimonials

Direct Gap : Rated 4.93 out of 5 based on 15256 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