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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

MOIRA RAPSON 9 Oct 2025

I have used Direct Gap several times. The website is very clear and easy to use. The price is competitive. I have never had to claim so I can't comment on that aspect.

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…

Stephen Webb 10 Nov 2025

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

PHD Mail Limited 2 Nov 2025

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

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

Kirstie Skinner 17 Dec 2025

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

Alpesh Patel 23 Oct 2025

Great service this would be the 5th time now

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.

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…

Stuart Davies 17 Jul 2026

Used your company for my last 3 vehicles, very easy to arrange. Luckily have not needed to make any claims so can't comment on the claim process and hope I never will.

Carolyn Lyle 16 Sep 2025

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

Barbara Stewart 4 Dec 2024

Hayley was brilliant 🤩 I had done everything on line & it wouldn’t let me in to do my password so Hayley sent me a link. Also she amended my cover from 3 to 4 yrs. Very pleased w…

Heather Smith 28 Oct 2025

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

Angela B 20 Sep 2025

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

Lee Appleyard 3 Feb 2025

Hayley on the phone was great

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.

Michael Dietz 13 Nov 2025

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

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…

dennis hayden 18 Dec 2013

I have used this company previously they are very helpful and now you can transfer this product to another vehicle

Mark C 23 Dec 2013

Speed at resolving company car query convinced me to use you.

Mike Finch 18 Dec 2013

We needed to cover our new car purchase and looked on line we contacted your adviser who was most helpful

John C 17 Dec 2013

No pressure just answered my questions

kenneth Sidford 18 Dec 2013

Phoned with a query and spoke to Elizabeth. She was So helpful, I didn't bother with other quotes.

Charlotte Wood 23 Dec 2013

many thanks for all your advice on the best policy for my needs. Great customer service.

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FAQ

Customer reviews

4.9 out of 5 based on 15711 reviews

Linda Jarrett

5 out of 5

Policy explained very well by phone before purchasing on line. Process very easy.
Graeme Wood

5 out of 5

Easy to complete - much cheaper and longer period than the dealer could offer
Dr M Patel

5 out of 5

Excellent service. Good telephone manners of staff members. Good value.

> See all our Testimonials

Direct Gap : Rated 4.94 out of 5 based on 15711 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