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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

Edward McLeod 6 Jan 2026

thank you, 3rd or 4th policy I bought

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.

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.

Stephen Webb 10 Nov 2025

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

jennifer Savage 10 Oct 2025

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

Kirstie Skinner 17 Dec 2025

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

Stephen Collins 18 Jul 2025

Dealt with Company for 20 years always excellent.

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.

Katie Sharp 3 Sep 2025

Great support on the phone earlier :)

Leyon Joseph 14 Mar 2024

I have been in the unfortunately position to have to use this policy and can say they were very helpful through the whole process 5 stars

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…

GEOFFREY HARDMAN 4 Nov 2025

Easy to set up, used this firm over many years

Lee Haworth 28 Sep 2025

Excellent. Easy to buy. Much cheaper than dealership GAP

Carolyn Lyle 16 Sep 2025

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

Michael Dietz 13 Nov 2025

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

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.

Paul Chattenton 24 Oct 2025

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

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.

P Johal 17 Dec 2013

Wish I had heard of you when I last bought my car and policy from the dealer. They charged me £500 and did not explain the product anywhere as well as you

Richard Kay 20 May 2021

My second policy with Direct Gap. The process is so simple and easy to purchase a policy. Much cheaper than policies offered by the main dealer!

Denise Hughes 18 Feb 2018

Recommended by friend, checked other sites and yours was best value at the time. More than half the price of dealers price. Easy to complete on-line form, Thank You.

Samuel Hands 25 Feb 2021

Easy and quick to get the quote and get everything set up. One of the most competitive prices on the market!

Clare Williams 2 Mar 2020

The information on the website is excellent and all my queries were answered in the FAQs. I easily arranged and paid for the GAP insurance for my new car. Would highly recommend Di…

Jamie Stafford 7 Sep 2018

Took a policy with my previous car and even though it wasn’t needed it was nice to have the protection. Needless to say my new car is now covered.

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FAQ

Customer reviews

4.9 out of 5 based on 15089 reviews

Luke Bosson

5 out of 5

Very easy, hope it is as good as it seems if the worst happens.
Martin Welch

5 out of 5

A third of the price quoted by the main dealer for the same type of cover.
Gerry Howley

5 out of 5

excellent easy to use site and great price. I will recommend you in future

> See all our Testimonials

Direct Gap : Rated 4.93 out of 5 based on 15089 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