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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

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…

Heather Smith 28 Oct 2025

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

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

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…

Lee Haworth 28 Sep 2025

Excellent. Easy to buy. Much cheaper than dealership GAP

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.

Nadiya Davies 23 Apr 2024

Hayley was brilliant over the phone!

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.

Rachael McCormack 28 Feb 2025

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

Janine Withers 23 Dec 2025

This is the 3rd policy I have brought from Direct Gap, their staff are always so friendly & helpful, I keep coming back to them.

Craig Richards 7 Nov 2025

Existing customer, easy to use portal, and helpful staff

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.

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

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.

GEOFFREY HARDMAN 4 Nov 2025

Easy to set up, used this firm over many years

Alpesh Patel 23 Oct 2025

Great service this would be the 5th time now

Catherine Morrison 20 Feb 2026

This type of insurance gives me peace of mind knowing that my purchase is covered should anything happen to my car I’ve been using gap insurance since 2014 and would not be without…

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

wing sze leong 23 Dec 2013

Competitive price and easy to use website

Anita Sharma 21 Apr 2021

If only life was as simple as setting up this policy ! Very easy & quick to create online. Customer services also returned my missed call and answered a few queries I had. 5* rat…

G Lewis 2 Nov 2018

Nice & easy, also 50% cheaper than offered by the dealer & finance company.

John Hart 18 Dec 2013

Brilliant site & service.

Kirsty 10 Sep 2018

Easy and simple to use and understand, helpline staff friendly and helpful.

Ryoko Morishima 18 Dec 2013

Explained very well and you are fully covered by the FSA and Financial Services Compensation Scheme

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FAQ

Customer reviews

4.9 out of 5 based on 15127 reviews

David Davies

5 out of 5

Very easy to set up.
Terence O’Hara

5 out of 5

Easy to arrange.
Mark Peel

5 out of 5

Competitive prices, good explanations and an easy purchasing process.

> See all our Testimonials

Direct Gap : Rated 4.93 out of 5 based on 15127 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