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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

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

Stephen Webb 10 Nov 2025

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

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

Lee Appleyard 3 Feb 2025

Hayley on the phone was great

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.

Marcin Dlugoszek 18 Jul 2026

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

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.

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.

Nic_C 17 Sep 2025

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

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

Katie Sharp 3 Sep 2025

Great support on the phone earlier :)

Lee Haworth 28 Sep 2025

Excellent. Easy to buy. Much cheaper than dealership GAP

Liam Boyle 6 Nov 2025

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

David Kent 10 Sep 2025

Always been very pleased with company and will continue to use for my GAP ins, wdl done guys full marks.

GEOFFREY HARDMAN 4 Nov 2025

Easy to set up, used this firm over many years

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…

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.

Christopher Fearn 2 Jul 2026

Used on lots of different cars lucky no claims and cheaper than main dealers

Vivienne wooll 18 Dec 2013

I have previously had a vehicle replacement insurance gap insurance with direct gap and they were very helpful and a good price. I am more than happy to have another policy through…

R Dicker 17 Dec 2013

After comparing prices and comments you are the best

Sally 18 Sep 2020

Quick, easy and excellent value for money. The policy examples take the headache out of making sure you understand what you are buying and choosing the right type.

David Walton DSW Pai nting & Decorating 28 Feb 2021

Second time around and fantastic. The dealer quoted £499 and Direct Gap quoted £169 on return to invoice. Same cover but £230 cheaper. You wont go wrong and great service by the di…

Jeanette 23 Dec 2013

Straight forward from start to finish.

Alison Langmead 23 Dec 2013

Easy to use and fast, good price for gap insurance

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FAQ

Customer reviews

4.9 out of 5 based on 15650 reviews

L.K

5 out of 5

second purchase with direct gap, great savings, very easy to use, happy customer :)
Paul ROBERTS

5 out of 5

Really simple process and was set up without any hassle and better price than most other gap insurance providers
Mrs Pam Hulme

5 out of 5

All done quickly and easily. The website really easy to use.

> See all our Testimonials

Direct Gap : Rated 4.94 out of 5 based on 15650 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