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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

jennifer Savage 10 Oct 2025

so easy , called the office as well to check something very helpful staff . impressed!

Paul Chattenton 24 Oct 2025

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

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.

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.

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

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.

Peter Hodgett 14 Jun 2026

Third time I have taken out gap insurance with Direct Gap. The process is very easy and it is always competitively priced.

Stephen Collins 18 Jul 2025

Dealt with Company for 20 years always excellent.

Nic_C 17 Sep 2025

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

Marcin Dlugoszek 18 Jul 2026

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

Lee Appleyard 3 Feb 2025

Hayley on the phone was great

Barry Edwards 17 Jun 2026

Used this company many times...great price for peace of mind .

Anne Martin 21 Jul 2026

Very easy to use aand so quick, price was good, have used this site for the last 12 years if not more, for a number of cars

David Smith 18 Nov 2025

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

Heather Smith 28 Oct 2025

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

Kirstie Skinner 17 Dec 2025

Simple and cost effective. I won’t use anyone else for my gap insurance!

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

Angela Causer 18 Dec 2013

Great feedback as other members of my family are insured with you.

Barry Machin 29 Jan 2021

As simple as could possibly be and very prompt payment on my previous policy claim.

Arthur B 18 Dec 2013

The price was competitive but the main reasons for taking this insurance was the free transfer of policy to another car and it was the only one to offer a 5 year policy

Justyn Rhead 5 Dec 2017

I reviewed a few different companies but I found directgap to be the best on price and very easy to complete online. Very pleased with the service.

DAVID PIERCE 17 Dec 2013

PRECISE ADVISE FROM ADVISOR ON TELEPHONE PRIOR TO PURCHASE

Tracy Dowson 30 Mar 2021

Paul was amazing he explained the different policies in detail to me as I’d never had gap insurance before, made the whole process very easy, brilliant

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FAQ

Customer reviews

4.9 out of 5 based on 15637 reviews

jamie r

3 out of 5

Good price for policy as its half of what a dealership would sell you gap insurance for.
Fiona Rutherford

5 out of 5

Very easy site to navigate. GAP insurance options are very clear - descriptions of various levels of cover are very easy to understand. Price is very competitive - much cheaper than price quoted by dealership. The proof of the pudding will be how any claim is handled - hopefully I will never have to rate you on this.
Jamie Gallacher

5 out of 5

Very Easy

> See all our Testimonials

Direct Gap : Rated 4.94 out of 5 based on 15637 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