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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

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

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.

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.

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

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.

David Smith 18 Nov 2025

Great service and Hayley was very helpful when I phoned for more information, thank you.

Nic_C 17 Sep 2025

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

Angela B 20 Sep 2025

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

Alan Stewart 20 Oct 2025

Excellent website which is easy to use and a range of policies to suit your needs. The price of the policy I chose was very competitive and cheaper than most. I also liked the high…

David Pibworth 3 Feb 2024

Easy to complete and far cheaper than quoted by the main dealer

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.

Alpesh Patel 23 Oct 2025

Great service this would be the 5th time now

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…

Peter Egerton 1 Feb 2024

It’s so easy to set up and I’m confident in the policy that it covers all my costs.

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

jennifer Savage 10 Oct 2025

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

Phillip Bee 27 Sep 2025

Great company, easy to use customer portal. Been using this company for about 8 years now.

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.

Peter Crean 23 Dec 2013

Advice form others and article read in Which. Much cheaper +£200 cheaper than similar produce offered by the dealer

Amanda Fry 18 Dec 2013

I purchased a 10 plate Audi A4 with over 80,000 miles on it, hours of searching online for numerous quotes and queries, Direct Gap was the only company to offer cover for a car wit…

Michael Plank 18 Dec 2013

I spent a long time comparing policies and getting 'a feel' for various companies. Your excellent website, reasonable price and helpful advisors decided me. Thank you.

Anthony Charles 21 Oct 2022

Very easy process. Very competitive pricing. Easy to sort.

Matthew Hockaday 18 Dec 2013

Price was the best but also because it specified that the cover included theft using the keys which was a concern when away on holiday and leaving the car at home.

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FAQ

Customer reviews

4.9 out of 5 based on 14946 reviews

Mrs Pam Hulme

5 out of 5

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

5 out of 5

Very helpful on the phone
Mark Porter

5 out of 5

spoke to James originally very patient and understanding made me feel very confident and comfortable and understood my concerns answered all questions. quote was half that of dealers, also spoke to a lady just before purchase again very understanding. great website easy to use with easy to understand examples. thanks guys

> See all our Testimonials

Direct Gap : Rated 4.93 out of 5 based on 14946 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