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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

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.

Alex Sissons 24 Oct 2024

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

Carolyn Lyle 16 Sep 2025

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

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

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.

jennifer Savage 10 Oct 2025

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

Isabelle Salami 20 Apr 2024

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

Stephen Webb 10 Nov 2025

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

Craig Richards 7 Nov 2025

Existing customer, easy to use portal, and helpful staff

Kirstie Skinner 17 Dec 2025

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

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.

Nadiya Davies 23 Apr 2024

Hayley was brilliant over the phone!

Katie Sharp 3 Sep 2025

Great support on the phone earlier :)

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…

Rachael McCormack 28 Feb 2025

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

Stephen Collins 18 Jul 2025

Dealt with Company for 20 years always excellent.

Arthur B 18 Dec 2013

The price was competitive but the main reasons for taking this insurance was the free transfer of policy to another car and it was the only one to offer a 5 year policy

Alex Mitchell 4 Sep 2021

Easy website and clear explanation of products. have purchased before and will again.

DAVE DAVIERS 2 Mar 2019

2ND POLICY NOW NEVER THOUGHT I'D USE FIRST ONE BUT SO GLAD I HAD IT AS CAR WRITTEN OFF AFTER 4 MONTHS. DIRECT GAP PAID OUT DIFFERENCE TO INSURERS VALUATION AND THIS COVERED COST OF…

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.

Robert Lawson 17 Oct 2018

Lady on the phone was the best operator , 10/10, informative ,helpful many thanks.

Lesley Smith 13 Dec 2018

I would highly recommend Direct Gap. Paid out £10k on a policy for a previous car without any dramas.

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FAQ

Customer reviews

4.9 out of 5 based on 15289 reviews

Nathan Croker

5 out of 5

Very quick and easy - thank you. Referred to from an existing customer who already has multiple policies with yourself, so maybe you can give them a discount next time! :-)
Ednan

5 out of 5

Better priced than competitors, website has all the information available to help decide which policy you require.
Eric Sanchez Arantegui

5 out of 5

good communication from the call agent

> See all our Testimonials

Direct Gap : Rated 4.93 out of 5 based on 15289 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