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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

David Smith 18 Nov 2025

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

Nic_C 17 Sep 2025

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

GEOFFREY HARDMAN 4 Nov 2025

Easy to set up, used this firm over many years

Lee Appleyard 3 Feb 2025

Hayley on the phone was great

David Pibworth 3 Feb 2024

Easy to complete and far cheaper than quoted by the main dealer

Anthony Mackenzie 14 Nov 2025

Full marks for very easy to use application form. Your help line was friendly and a pleasant girl gave me all the information I needed. I have purchased the Gap insurance I need no…

Heather Smith 28 Oct 2025

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

Isabelle Salami 20 Apr 2024

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

Ranjit Ghag 11 Dec 2023

I have previously used this service and find it amazing, competitive prices and cheaper than buying direct from dealers.

jennifer Savage 10 Oct 2025

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

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

Stephen Webb 10 Nov 2025

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

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.

Lee Haworth 28 Sep 2025

Excellent. Easy to buy. Much cheaper than dealership GAP

Stephen Collins 18 Jul 2025

Dealt with Company for 20 years always excellent.

PHD Mail Limited 2 Nov 2025

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

Paul Chattenton 24 Oct 2025

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

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.

Wendy Lakeman 17 Dec 2013

Which, recommended. Informative website. Competitive price. New car cover for upto 6 months after purchase. Can be deferred for 1st year. Helpful over-the-phone info.

Brian Kelly 18 Dec 2013

Excellent policy and easy quote system very easy to purchase on line very happy indeed Thanks indeed

Ben Reeves 5 Mar 2020

I don’t know who the customer service lady I spoke to one the phone was but she was AMAZING, possibly the best call centre type person I’ve ever spoken too. You’ve pretty much got…

June Davidson 23 Dec 2013

Our third policy, service and products exceptional.

Sue L 17 Dec 2013

Just bought a new Ford and wanted to make sure it was insured I case the worst happened. I looked at a few other web sites but found the layout on direct gap very easy to navigate.…

R Wren 17 Dec 2013

Much cheaper than the dealer

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FAQ

Customer reviews

4.9 out of 5 based on 14882 reviews

H Faint

5 out of 5

Extremely competitive price. Dealer was so expensive for exactly the same cover. Would absolutely recommend DirectGap!
Chris Jones

5 out of 5

Easy to select and pay. Much cheaper than dealers and PCH brokers. Luckily haven't had to claim on this in last 8 years!
Christian Kay

5 out of 5

Thank you so much for your help arranging my Finance GAP. I originally got a quote online but chose the wrong product for my circumstances. I bought a car for £7500 but the total to pay including the finance company interest was £13000. My worry was if my car was written off by my insurance company in the event of a fire or accident I would be left with a big chunk of money to pay the finance company as insurers only pay the value of the car not the total you may owe. I called DirectGAP to buy my policy and luckily your staff spotted my mistake and advised on the best GAP product for my circumstances. Not only did this save me money long term it gave me 5-years cover instead of the 1-year I was going to buy. The website is good but with such a large selection of products to meet every clients circumstances it pays to call directly and speak with an advisor. They are really helpful and know what they are talking about. Cost was competitive and e-documents arrived promptly. My only wish would be some official documents in the post but I guess e-docs are the modern environmentally minded way of doing things. I am very happy with my purchase and now I have peace of mind for the next 5-years of motoring.

> See all our Testimonials

Direct Gap : Rated 4.93 out of 5 based on 14882 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