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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

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.

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.

Michael Dietz 13 Nov 2025

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

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

GEOFFREY HARDMAN 4 Nov 2025

Easy to set up, used this firm over many years

Angela B 20 Sep 2025

Have used Direct Gap for a few years now. Always quick, easy and competitive.

Liam Boyle 6 Nov 2025

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

Paul Chattenton 24 Oct 2025

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

Phillip Bee 27 Sep 2025

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

PHD Mail Limited 2 Nov 2025

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

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.

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.

Stephen Webb 10 Nov 2025

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

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…

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

Nic_C 17 Sep 2025

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

Heather Smith 28 Oct 2025

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

Irene Back 20 Dec 2021

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

Mrs K McSweeney 27 Feb 2019

Checked out previous reviews, all positive. Good price compared to other sites.

Paul Ryan 14 Aug 2021

Quick and easy

mike cushley 18 Dec 2013

competitive price, able to defer start date. Clear information on website

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.

Tania Stone 18 Dec 2013

I used you to ensure I protect my new car against total loss I found you through the Which site which gave me a lot of confidence in the products.

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FAQ

Customer reviews

4.9 out of 5 based on 15163 reviews

George Payne

5 out of 5

recommended by Which Magazine, half the price of dealers policy.
John from Ilford

5 out of 5

Found the website, clear to see what I wanted straight away, purchased the product, all done and dusted in less than 5 minutes. Fantastic
Kapil Khadka

5 out of 5

Easy

> See all our Testimonials

Direct Gap : Rated 4.93 out of 5 based on 15163 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