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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

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 Appleyard 3 Feb 2025

Hayley on the phone was great

Kirstie Skinner 17 Dec 2025

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

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

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.

Lee Haworth 28 Sep 2025

Excellent. Easy to buy. Much cheaper than dealership GAP

Rachael McCormack 28 Feb 2025

This is 3rd policy weve taken out, much cheaper than dealership and easy to complete

PHD Mail Limited 2 Nov 2025

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

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.

Angela B 20 Sep 2025

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

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.

Carolyn Lyle 16 Sep 2025

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

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.

Liam Boyle 6 Nov 2025

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

Mark Tait 23 Nov 2025

Used Direct Gap for years. Friendly, efficient service , great prices and fantastic customer service.

Edward McLeod 6 Jan 2026

thank you, 3rd or 4th policy I bought

Alex Sissons 24 Oct 2024

3rd policy I've had and best price by far

Heather Smith 28 Oct 2025

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

Stella Smith 30 Jul 2021

Fast easy policy quote and set up. Have used Direct Gap for my last 3 cars. Would highly recommend!

David B 18 Dec 2013

Super no hassle transaction

Michael Jackson 25 Apr 2022

The customer service and the impartial advice was excellent.

Philip Coxon 5 Jan 2021

This is the second policy I have purchased in 12 months, this time for my wife's car. Easy to purchase with juts a few clicks and over £200 cheaper than the main dealership price!

Ann 21 Jun 2018

Less than half the price of dealer. You can see the policy before you commit to buy. I think I've done the right thing. Excellent reviews.

Peter Michael Payne 23 Dec 2013

Wonderful value. Saved £276 on dealer quote. Excellent service on 'phone from Elizabeth. Will certainly recommend you to my family and friends.

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FAQ

Customer reviews

4.9 out of 5 based on 15353 reviews

Alison Dietz

5 out of 5

Excellent price, very helpful and friendly.
David T

5 out of 5

Clear policy wording & very simple to put the policy in place for extra peace of mind.
William Evans

5 out of 5

Great service.easy to deal with

> See all our Testimonials

Direct Gap : Rated 4.93 out of 5 based on 15353 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